Credit Cards » Discover Credit Cards » Discover it® Secured
Discover Logo

Discover it® Secured

No Credit History
Apply Now at Discover's Secure Site
No Credit History
Apply Now at Discover's Secure Site
Intro Bonus
Intro Bonus
Cashback Match™ We automatically match all the cash back you've earned at the end of your first year.
Reward Rates
2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically.
1% Earn unlimited 1% cash back on all other purchases.
Balance Transfers Intro APR
10.99% for 6 months
Purchases Intro APR
N/A
Regular APR
24.99% 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 a quarter), 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.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line 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.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • Intro Offer: We automatically match all the cash back you've earned at the end of your first year.
  • 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
  • Price Protection
    Price Protection
  • Rewards
    Rewards
  • Secured credit card
    Secured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

 

Editor's Rating:

4.1-star review

4.1 out of 5

Our take: The Discover it Secured is one of your best bets for building 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.

Read full review

 

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

Average Ratings
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2018-01-31.
See the latest reviews on the card issuer's site.