The Discover it® Secured Credit Card

Can help you build or rebuild credit with responsible use. 2

Discover it cash credit card blue
Discover it cash credit card blue

The Discover it® Secured Credit Card

Can help you build or rebuild credit with responsible use.2

No annual fee*

It's a real credit card, not a prepaid or debit card

Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.

Get started with a refundable security deposit

Your secured card requires a refundable security deposit. You choose your deposit amount (minimum $200) when you apply.

NEW!

Free Social Security number alerts

We'll monitor thousands of risky websites when you sign up.12

Earn cash back on every purchase

2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter††. Plus 1% cash back on all other credit card purchases.

First-Year offer: after you earn, we match5

We automatically match all the cash back you've earned at the end of your first year on your credit card.

No annual fee*

24.24% standard variable purchase APR*

FICO® Credit Score for free6

Get your FICO ® Credit Score for free on monthly statements, on our mobile app or when you log in to your online account.


Frequently Asked Questions

  • What type of credit do I need to qualify for this card?
  • What do I need to apply?
  • What are Secured Cards?
  • Can I get my security deposit back?
  • How do I return to an application I have started?

Not sure if a secured credit card is right for you?

Here's how it works.

Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line.3

Use your card responsibly

Be sure to pay your bill on time. And pay your balance in full each month by the due date to avoid interest on purchases.

Build your credit history

Using credit responsibly across all of your credit cards and loans, including Discover and others, may qualify you to get your security deposit back.4

Discover it® Secured Credit Card Discover it Secured Credit Card
NO ANNUAL FEE * Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered
Essentials
Refundable security deposit7 Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Automatic periodic reviews to see if we can transition you to an account with no security deposit7 Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Reports to all three major credit bureaus Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Rewards
Earn 2% cash back in popular categories.††
Plus earn 1% cash back on all other purchases.
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 5
See issuers' websites for their new cardmember bonuses.
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash in any amount. Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash at any time.10 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Your cash back never expires Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Use your rewards instantly at Amazon.com checkout 11 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky
websites. 12
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your
Experian® credit report 12&;
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases 8 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered
$0 Fraud Liability—you're never responsible for unauthorized purchases on your credit card Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Free overnight shipping for card replacement to any U.S. street address at your request9 Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Value
Paying late won't raise your APR Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered
No late fee for your first late payment Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
No overlimit fee Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
No foreign transaction fee Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  6 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
100% U.S.-based customer service available any time Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Accepted nationwide by at least 97% of the merchants that take credit cards* Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Pay your bill up to midnight (ET) the day it's due by phone or online Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
††Cash back rewards – Discover: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Comparison conducted by an independent research firm and based on competitor info compiled in November 2017.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.

&;Compared card issuers may have other new account alerts.

*According to the Feb 2017 Nilson Report.

All with no annual fee.*

24.24% Standard Variable Purchase APR applies.

See Disclosures

††Discover it® Secured Credit Card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

  • * 24.24% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by 4 10, 2018 ; then the standard purchase APR applies. Cash APR: 26.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $2.00. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of Month Date, YYYY. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

    ††You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further detail.

  1. Reviews: Discover Secured Card's average "Overall Rating" based on reviews by cardmembers as seen at .
  2. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit.
  3. Minimum Security Deposit: A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay.
  4. Transition to a Discover account without a security deposit: We'll automatically review your credit card account monthly, starting at eight months, to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others.
  5. Cashback MatchTM: Only from Discover, as of November 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  6. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

  7. Discover refunds deposits two ways: 1) automatic monthly reviews starting at eight months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time, or 2) when you close your account and pay in full we will return the security deposit to you, which can take up to two billing cycles ten days. See other issuers' terms for their details.
  8. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  9. Free Overnight Card Replacement: Overnight shipping is not available to P.O boxes or addresses outside the U.S Carrier overnight shipping limitations apply that may impact the exact delivery date.
  10. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  11. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see .
  12. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online , and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. See .

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©2017 Discover Bank, Member FDIC