Discover it® Secured

Discover it® Secured

on Discover's website, or call (800) 347-0264

Discover it® Secured

Discover it® Secured

Discover it® Secured

on Discover's website, or call (800) 347-0264

Card details

  • 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.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer

    Discover will automatically match all the cash back you’ve earned at the end of your first year.

  • Intro APR

    10.99% on Balance Transfers for 6 months

  • Ongoing APR

    APR: 24.49% Variable APR

    Cash Advance APR: 26.49%, Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Virginia C. McGuire

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • Reports to the three major credit bureaus

  • Offers rewards and a sign-up bonus

  • Chance to upgrade to unsecured account after 8 months

  • Requires minimum deposit of $200

  • Discover cards not widely accepted outside the U.S.

Like other secured credit cards, the Discover it® Secured requires cardholders to put down a deposit — $200 minimum, in this case. Discover holds the deposit as collateral against money you borrow on the card.

But unlike most other secured cards, the Discover it® Secured offers rewards. You can earn 2% back on up to $1,000 in combined restaurant and gas station spending per quarter, for as much as $80 a year, and 1% back on all other purchases. The annual fee is $0, and there's a sign-up bonus: Discover will automatically match all the cash back you’ve earned at the end of your first year.

One other thing sets this card apart. Eight months after you open the account, Discover will start reviewing your account regularly to see whether you're eligible to transition to an unsecured card with even better rewards. We call that a pretty good deal.

Want to know more? Check out our full review of the Discover it® Secured.

User Reviews

Rating Details

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