Discover it® Secured Credit Card
160 Reviews
Min. deposit
$200
Refundable
Regular purchase APR
26.49% Variable APR
Annual fee
$0
Rewards rate
1% - 2%
Cash back
Additional rates and fees
Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
26.49% Variable APR
Intro balance transfer APR
10.99% Intro APR for 6 Months
Regular balance transfer APR
26.49% Variable APR
Cash advance APR
28.49% Variable APR
Cash advance fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late fee
None the first time you pay late. After that, up to $41.
Penalty APR
See Terms*
Balance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Foreign transaction fee
None
Return payment fee
Up to $30.
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Get an alert if we find your Social Security number on the dark web. Activate for free.
- Terms and conditions apply.