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Discover it® Secured

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If you’re looking to repair or build credit, you’d be hard-pressed to find a more rewarding secured credit card than the Discover it Secured. You’ll earn 2% cash back on gas and dining, and for your first year, Discover will double what you earn.

The information related to Discover it® Secured has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our rating
Min. credit level: Bad
Annual Fee: $0
Regular APR: See Terms
Intro Balance Transfer APR: See Terms for See Terms

Discover it® Secured

Our rating
Bad Min. credit level
$0 Annual Fee
Read our Review

Highlights & Features

Rewards

  • 2% cash back on up to $1,000 in purchases per quarter (then 1%), at:
    • Restaurants
    • Gas Stations
  • 1% cash back on all other purchases

INTRODUCTORY BONUS

Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR See Terms for See Terms
Regular Balance Transfer APR See Terms
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Discover

Discover has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-347-3085 or

Try a different phone number
See all Issuer Cards

The Discover it Secured Credit Card is one of the better secured cards on the market. This card reports to all three credit bureaus, so as long as you use it responsibly it can help you improve your credit.

You’ll get an excellent amount of cash back for a secured card, especially because Discover will double what you earn in your first year. There’s no annual fee, and you’ll be able to check your FICO Score 8 any time you’d like to see how you’re improving.

Cardholders get 2% cash back at restaurants and gas stations, on up to $1,000 in spending per quarter (then 1%). This may not seem like much, but it’s a good rate when it comes to secured cards, which are designed for people with poor or limited credit.

Insider tip

Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.