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Discover it® Secured Credit Card

Discover it® Secured Credit Card
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Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

No Credit History

Apply now at Discover's secure site
Intro Bonus
Cashback Match™Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Reward Rates
2%Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%Earn unlimited 1% cash back on all other purchases – automatically.
Balance Transfers Intro APR
10.99% for 6 months
Purchases Intro APR
N/A
Regular APR
22.99% Variable
Annual Fee
$0

Great for:

Secured card with minimal fees. This is one of the best secured cards out there because the fees are minimal. It doubles as a cash back card, with 2% back at gas stations and restaurants (up to $1,000 in combined purchases per quarter, then 1%), and your cash back matched at the end of the first year.

See more of the best secured credit cards.

Highlights

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score.
  • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Features

  • Cash Back
    Cash Back
  • EMV
    EMV
  • Free Credit Score
    Free Credit Score
  • Gas
    Gas
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • No Credit History
    No Credit History
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Poor Credit
    Poor Credit
  • Rewards
    Rewards
  • Secured credit card
    Secured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.1 out of 5

Our take: The Discover it Secured Credit Card is one of your best bets if you're looking for a card to help you build credit – it doesn’t charge an annual fee, plus you can make a profit in the first year thanks to the card’s cash back program.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Discover it® Secured Credit Card

Average Ratings: (collected by Discover)
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2021-04-01.