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Discover it® Secured review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
26.74% (Variable)
Interest Rate: Purchases
26.74% (Variable)
Balance Transfer
26.74% (Variable) (10.99% for the first 6 months)
Balance Transfer
26.74% (Variable) (10.99% for the first 6 months)
1 - 2% cashback
1 - 2% cashback
Signup Bonus
Signup Bonus

Informr score
The Discover it® Secured currently has an Informr score of 9 out of 10. This score is based on our evaluation of 36 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Discover it® Secured is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $200.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Discover it Secured credit card is best for two types of people: those with damaged credit and those with limited or no credit. These people often find it difficult to get approved for an unsecured credit card because of their credit history. Discover it Secured is for you if you’re interested i...

- Kevin Payne, FinanceBuzz
The Ascent
The Ascent

This card is a great place to start when building your credit history. It offers perks rarely found in secured cards, including cash back, no annual fee, and Discover's innovative sign-up bonus.

- Lyle Daly, The Ascent

The Discover it Secured card is one of the most cost-effective cards on the market for those who can’t get a regular credit card and are seeking to build or repair credit. It’s essentially unique in offering rewards that would be respectable or better in a card that wasn’t a secured one: 2% cash bac...

- Kat Tretina, Investopedia

As secured cards go, the Discover it® Secured Credit Card ranks high on our list of the best secured credit cards. While the rewards may not be stellar compared to many unsecured cards, we’re glad to see rewarding options become available for those whose weak or damaged credit history leaves them wi...

- Chauncey Crail, Robin Saks Frankel, Forbes

The Discover it Secured Credit Card is one of your best bets if you’re looking for a card to help you build credit – it doesn’t charge an annual fee, plus you can make a profit in the first year thanks to the card’s cash back program.

- Robin Ratcliff,


Interest Rates
Regular APR Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 26.74% (Variable) (10.99% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 28.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

3% intro fee

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00
  • Maximum
  • No late fee on your first late payment
Sign up bonus No
All Purchases 1% cash back
Restaurants 2% cash back (on first $4000 spent)

In combined purchases with gas each quarter ($1000 per quarter)

Gas 2% cash back (on first $4000 spent)

In combined purchases with restaurants each quarter ($1000 per quarter)

Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Automatically get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits

Online Privacy Protection

Minimum Security Deposit $200
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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