Discover it® Secured Credit Card

The Discover it Secured Credit Card is one of the better secured cards on the market. This card reports to all 3 credit bureaus, so as long as you use it responsibly it will help you improve your credit.

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

Insider Tip: Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.
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Quick View

  • Rewards
    • 2% cash back at restaurants and on gas, up to $1,000 in purchases each quarter
    • 1% back on all other purchases
    • Earn 5-20% Cash Back when shopping through the ShopDiscover market
    • Discover will double your rewards after the first year of use
    • Rewards can be used directly at
  • Signup Bonus New cardmembers only - Double cash back earned at the end of the first year
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR 10.99% Variable for 6 months
  • Regular Balance Transfer APR 24.24% Variable
  • Cash Advance APR 26.24% Variable
  • Penalty APR None
  • Late Fee $0 the first time; up to $37 after that
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Free FICO® Credit Score

    View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

  • Refer a Friend for Cash Back

    Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.

Account Management

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Temporarily Freeze Your Account

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.


  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Fraud Protection

    Your card account will be monitored 24/7 for suspicious activity.

  • Free Social Security Number Alerts

    Get alerts if your SSN is found on any thousands of risky websites.


  • Purchase Protection

    Provides coverage against damage or theft, up to $500 per eligible item.

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.

  • Extended Product Warranty

    Adds up to 1 year to a manufacturer’s warranty of 3 years or less.

  • Return Guarantee

    Items can be returned even if the manufacturer won’t take them back, up to $500 and for up to 90 days after the date of purchase.


  • Auto Rental Insurance

    Covers rented vehicles against collision damage when the car rental company’s insurance is declined.

  • Flight Accident Insurance

    You and your family are automatically covered on airline flights, up to $500,000.

Visitor Reviews

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