Discover it® Secured Credit Card


For People with
Bad Credit

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.
Card Quick Facts

Card Quick Facts

  • Double all the cash back you’ve earned at the end of your first year automatically – only for new cardmembers*
  • 2% cash back at restaurants and on gas – up to $1,000 per quarter.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

For People with
Bad Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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 Amazon.com
How to Redeem

Introductory Bonus

  • New cardmembers only - Double cash back earned at the end of the first year
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $200
Maximum Credit Limit $2,500
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 10.99% Variable for 6 months
Regular Balance Transfer APR 24.24% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 5%, Min: $10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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