Discover It® Secured Credit Card

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With no harm to your credit to check


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No annual fee. No credit score required to apply*

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★★★★★
★★★★★

x out of 5 Average of x Reviews16

See how we calculate our ratings

How the Discover it® Secured credit card works for you

A secured credit card could help you build or rebuild your credit history to make more things possible tomorrow.

You get a real credit card, with no annual fee

We'll report your credit history to all 3 major credit bureaus, unlike most debit cards or prepaid cards.

You provide a refundable security deposit when you apply

Your credit line will equal your deposit amount, starting at $200.1

Your secured credit card can help you build credit responsibly

Smart habits like paying all your bills on time and in full each month can help you build credit with responsible use.2

You can get your deposit back

After 7 months, we begin automatic monthly account reviews to see if you qualify to convert to a standard, 'unsecured' card and get your deposit back.3

A secured credit card with real rewards

2 % Cash Back

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.††

1 % Cash Back

Earn unlimited 1% cash back on all your other purchases automatically.

2 x Cash Back

with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.4

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99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.10

Secured Credit Card FAQs

This card is for people new to credit as well as people looking to rebuild their credit. To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. If you are not approved, we will provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we could not approve your application.

You will need to be at least 18 years of age, have a Social security number, U.S. address and U.S. bank account, and provide all the required information in the online application. Be sure to have your bank routing number and account number handy when you apply. Applications are taken 24X7 on Discover.com. Apply Now

1. If you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus ten days.

2. After 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured' card and get your deposit back.3 These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others.

A secured credit card is designed for people who are looking to build or rebuild their credit. It looks and acts like a traditional credit card except that you provide a security deposit as collateral for your credit card account.1 Your credit line will equal the amount of this security deposit. And like a traditional credit card, as you use your credit card, you will need to make payments each month and your credit card account use is reported to the three major credit bureaus. So your on-time payments and responsible use can help build your credit.2 Starting seven months after you've been a secured credit card member, we'll review your account monthly to see if we can return your security deposit while you continue to enjoy your card benefits.3 These reviews will look for your responsible credit use across all your cards and loans, not just with Discover.

A secured credit card reports your credit history to the major credit bureaus like other credit cards. So your continued responsible credit use can help you build a more appealing credit history over time.* How long it takes to get the credit score you want depends on where you're starting and how you use your secured credit card, as well as other credit accounts and loans. With the Discover it Secured Credit Card, automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.**

Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. Let's say you started a new term and charged $500 for books, with an 18% APR. If you never made any payments over the 12 months, you would owe an extra $90 annually.

If you are building a credit history, or looking to rebuild with credit responsible use , the Discover it® Secured Credit Card may be right for you.2 To see if you qualify for a secured credit card, Discover reviews your application, credit report and other information.

Some secured credit cards can help you build or rebuild credit if used responsibly. For example, the Discover it® Secured credit card can help you build your credit if you responsibly use your account and pay your other loans on time.2 Be sure to make at least your minimum monthly payment due on time. It may also help to pay down existing credit card debt and dispute errors on your credit report. Apply for a Discover it® Secured card to begin building your credit with responsible use today.

Discover requires a minimum deposit of $200 to open a secured credit card account, but you can choose a larger deposit amount up to $2,500 if you’re approved for it.1 When you're using your secured credit card to build a credit history, you need a credit limit that lets you easily make regular purchases and pay your bill responsibly.

A secured credit card requires you to make a deposit equal to the amount of your credit line, while an unsecured credit card requires no deposit.

Yes, a credit card issuer will place a hard inquiry on your credit report when you apply for a new secured card, just as they would for an unsecured credit card application.

No annual fee

x% Standard Variable Purchase APR† applies.

†See rates, rewards and other info > , Opens new window
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How Discover it® Secured credit card can help you build credit with responsible use2

When you're just starting out and you have no credit history at all, you need to find the right credit card that can help prepare you for the future. On-time payments can help put you on the right financial path. It's important to show a good credit score in case you want to rent an apartment, finance a car loan, get hired by employers who review credit reports, or use a mortgage to buy a house.

Apply for Discover it® Secured Card

With the Discover it® Secured Credit Card, you provide a refundable security deposit to back your credit line.1 You still make monthly payments, and can build credit with responsible use.2

Review your FICO® credit score for free

Discover shows your FICO® Credit Score9 for free, so you can track it. Seeing how your credit score is affected by your credit actions can help you improve your credit knowledge.

Pay credit bills on time

With a Discover it® Secured Credit Card, every made and missed payment is reported to the credit bureaus. The information on your credit report is used to calculate your credit score, so it's important to stay on top of your monthly credit card payments.

Keep balances low

A high credit balance means a lot of your available credit is in use. Paying down your balance may help what's called your credit utilization ratio. Generally, using less of your available credit is viewed more favorably. Consider automating your monthly payments.

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Discover service and security features

NEW! Online Privacy Protection.

We’ll help regularly remove your personal info from ten popular people-search websites that could sell your data. Activate for free with the Discover app.17

Activate free Social Security number alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.7

Turn your account on/off with Freeze it®

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.8

$0 Fraud Liability Guarantee

You're never responsible for unauthorized purchases on your Discover Card.15

100% U.S.-based customer service

You can talk to a real person from our customer service team any time. Plus get powerful, fast mobile and online service.

View your FICO® Credit Score for free

See your FICO® Score on the Discover mobile app, online and statements. It wont hurt your credit.9

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Discover Cards with no deposit required

Before you apply, you can see if you're pre-approved for Discover card with no deposit or for a secured credit card that requires deposit. There's no harm to your credit to check.

Find Out if I'm Pre-Approved

Learn more about secured credit cards

What is a Secured Credit Card? >

 

Denied for credit cards or loans due to poor credit? What is a secured credit card and how can it help you build your credit history and get back on track.

How to Use a Secured Credit Card >

 

Use these tips on how to use your secured credit card.

How Do Secured Credit Cards Work? >

 

Not sure how to take control of your credit if you keep getting denied for credit cards? Learn how secured credit cards work.

Secured Credit Card Myths and Realities >

 

Are you interested in a secured credit card, but worried about not getting your security deposit back? Learn more about how secured credit cards work.

†† You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

*Based on 2020 Discover Secured credit card application data. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report which may include your credit score, and other information.

  1. Minimum Security Deposit: A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay.

  2. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may adversely impact your ability to build credit.

  3. Getting your deposit back: Monthly reviews start your seventh month as a customer. We will refund your security deposit if you have made all payments on time for the last six consecutive billing cycles on all your Discover accounts including any loans, and you've remained in "good status" on all credit accounts you are responsible for whether they are Discover accounts or not. "Good status" means: (1) your credit report shows no delinquencies, charge-offs, repossessions, or bankruptcies for the six months prior to our review; and (2) your Discover secured card is not in a prohibited status at the time of our review, including, but not limited to: closed, revoked, suspended, subject to tax levy, garnishment, deceased, lost/stolen, or fraud. Monthly reviews may be delayed if you change your payment due date. We typically process your refund in 2-3 business days based on your delivery preference. If you close your account and pay in full, we'll return your deposit within two billing cycles plus ten days.

  4. Cashback Match: Only from Discover, as of June 2022. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  5. Based on 2020 Discover Secured credit card application data. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report which may include your credit score, and other information.

  6. Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.

  7. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  8. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  9. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

  10. Acceptance: According to the Feb 2022 issue of the Nilson Report.

  11. Rewards Redemption: Your rewards never expire. We will credit your account or send you a check with your rewards balance if your account is closed or if it has not been used within 18 months.

  12. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.

  13. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions. All reward redemptions are subject to Discover’s reward program terms.

  14. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  15. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

  16. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  17. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Approximately every 90 days we will scan for your online personal information at 10 select people search sites and submit opt-out requests on your behalf. Types of personal information found on these sites will vary.

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