Discover it® Secured Credit Card Reviews

Cardholders' Choice i
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4.6 out of 5 stars
73 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

Most Helpful Positive Review

Mar 09, 2016
Awesome card that DOES upgrade
mewxen Cardholder

I applied and got the card around March 2015 with the FICO score discover gave me of 581 (medical collections, this is my first CC, student loan debt) with a $300 deposit. They say after a year you can get it upgraded to unsecured, but Feburary 2016 (a month early) I recieved a letter saying that my CC behavior was so responsible they were upgrading me from secured to unsecured and mailing me my deposit back.  I had the deposit back within a week. I sometimes had higher CL utilization, but I NEVER had a late payment or incurred fees/interest. I waited till my statement was up and then paid it every time. I never carried a balance. I applied for a CL increase after getting the deposit back and was denied, but I hope after a few months of being unsecured and using it responsibly it will be upped. At the highest, this card helped me get up to a FICO 649 (68 point increase), but then I financed a car and furniture that bumped it down to 640 in June and its currently 644. Since this became unsecured I was just approved for the unsecured C1 Platinum. Pretty good for a 24 year old graduate student who had no credit and only medical collections on her account a little more than a year ago!

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Most Helpful Negative Review

Mar 28, 2016
Don't expect deposit back after 12 mos.
Anonymous Cardholder

I have had this card for approximately a year and a half now.  I have always paid early let alone on time, at least made well more than the minimum payment if not paid off the entire balance, and I am still waiting for them to approve me for an unsecured card. They state my credit score hasn't risen enough yet and apparently the relationship I've had with them for the last year and a half means nothing in the decision process. This is a good card just to have a credit card, but is not even accepted everywhere.  I also had a CapitalOne secured card and have already received my deposit back, been approved for an additional unsecured card through them with cash back, and as a Mastercard it is accepted far more places. I was hoping to keep this card as an unsecured card so that I would have 2 different forms of payment (Mastercard and Discover), but I am on the verge of just closing this account to get my deposit back and just using my 2 CapitalOne Mastercards from now on. The only pro Discover has going is that their customer service is far more friendly, helpful, and knowledgeable. I hope this clarifies Discover's somewhat misleading selling point for some people.

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These reviews were written by current and former cardholders in the last year.

May 12, 2017
Bugg54 Cardholder

This is a great card when I first got this card my score was a 563 tu. Now in four months I'm at a 661 tu fico score thanks discover it's a five 🌟 card for me can't wait to see how much they will raise my limit to

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May 01, 2017
Good for secured card, slow to upgrading
Chithe3rd Cardholder

I was a senior in college (21) when I got this card in April, my first credit card. I did not have any credit (thank God that I escaped college without student loans) so I got a line for $300. I appreciated the cash back and the fact that I can see my FICO score. However, I could not see my credit score until October 2016-- a month after I got my Target $300 credit card. I will return to this point later. I have a FICO score of 751 and Vantage score of 715 and Discover card still did not upgrade me, after a year. I started getting concerned because I wanted a credit card with a higher limit, but I did not want to have more than 2 credit cards. I was loyal to Discover and called the customer service asking why I have not been upgraded yet. The customer service was nice but did not directly answer my question. She told me that I will be evaluated during the next cycle (in April). I changed my personal info to reflect that I was making good money.

Next month, the same excuse (this time May). Long story short, I decided to get my Equifax credit report from the free annual website. Prior to perhaps February 2017, I thought I had to pay everything off BEFORE the statement. Bad move because my cards did not show the credit bureaus a balance. However, my Target card still showed the credit bureaus my "actual payments" which showed that I was using the Target card. My Discover card DID NOT. I called the customer service again and the representative said they should be reporting it automatically and that they would try to fix this glitch (they did not give me a date even though I requested for one, so I will call them shortly to see if they fixed the problem). Which made sense why I was not able to see my FICO score until October. I got my Target card in September but got my Discover card in April. I got tired waiting for Discover, so I recently applied for Chase Freedom Unlimited... I got $7,000 credit access line! I will keep using my Discover card to keep my credit going but it's definitely going to be the least utilized card in my wallet. 

For a secured card, it is really good with its cash back and FICO score. However, I hate that I had to go through all those loops to try to get a real credit card from Discover. I still have not gotten a Discover card or my money back, btw. Other credit cards were willing to take the chance on me.  

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May 01, 2017
Easily Build Credit History with Rewards

Excellent customer service!!! They communicate clearly and they never rush me off the call. They always tell me what US city they are in when I call.

I had no credit history. Applied, was accepted, made deposit, and received card in mail about 10 days later.

Great rewards for a secured card. 2% Cash Back on gas and restaurants. 1% Cash Back on everything else. They double your first years Cash Back. You can get Cash Back as a check, use it to pay your balance, or use at many online retailers. They also have tons of Discover Deals where you get discounts at various retailers when you use your Discover card.

Free FICO score updated monthly lets me see my credit history building at work.

I always make a payment shortly before statement end date to bring down my credit utilization to 5% or less. This has seemed to help a lot.

Got my deposit back after 6 months and the card "graduated" into a regular unsecured credit card. It is now a Discover Chrome card. Rewards program remains the same.

ONLY DOWNSIDE: Discover is not accepted at retailers as much as Visa and MasterCard. However, I have had the card 8 months and only had 4 instances where Discover was not accepted.

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May 01, 2017
Finally graduated to an unsecured card
reasonr Cardholder

It took me exacly one year but I just graduated to an unsecured card with $1000.00 limit. I initally put $500 down for the secured card.

For those of you who think you can't do it keep the faith and continue on. You will break through, take it from a guy who's credit score was 497 TU a year ago and is now @ 641 TU.

I should have my $500 deposit check in a few weeks. The Most High will always prevail!

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Apr 28, 2017
Foofighter818 Cardholder

I've had this card for 16 months and over 100 point increase on credit score and still haven't been given an unsecured card and deposit back. The cash back match money I accumulated disappeared. I paid in full monthly and noticed the last 4 or 5 months..payments were taken from bank account immediately but wouldnt credit to card for 10 days,, I'm assuming so I couldn't build up cash back credit??. No other card I have has 10 day hold on crediting account. Not using card anymore.

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1 Reply
Apr 30, 2017

Thanks for posting this. I have had the card for 14 months, and still no "refund" and the same thing with the cash back. Smh

Apr 24, 2017
grraaacce Cardholder

I first applied for this card to be more responsible with my credit. I messed my credit up during my younger years and realized now how important credit is. Anyway, I applied for the discover it secured card and instantly my score went up about 35 points! It is now about 9 months since I opened the card and I received an email stating that they will send back my security deposit! What a relief! My responsible use of the card and paying most of it off monthly has paid off! I am so happy. My score overall has raised from 524 to 655!!! I am so happy!!! Hands down, this card does its job and then some. Customer service is great and they match your first year of cash back rewards !!!

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Apr 23, 2017
vettievi Cardholder

I was approved over 14 months. Getting the card itself took, almost a month. I have a $700 limit. I still have not been qualified to receive my deposit back, and convert to unsecured.  My current score is 560. i can't afford to close the card, and risk losing more points. My goal right now, is to pay off some old accounts to increase my score. If Discover doesn't give me an unsecured limit, by the time I'm eligible for cards that offer high credit limits.  I will mostly likely close it out then. I will update, if something changes.

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Apr 14, 2017
Great rewards for common buys!
JelsMom Cardholder

One sad thing about having bad credit is that most of the cards available to you have no rewards, high interest rates, and annual fees.  After seeing this one recommended on NerdWallet, I decided to apply.  My credit was definitely an issue -- TU:672, EQ 613, authorized user on a couple of accounts in good standing, one closed/charged-off account that I've been trying to pay back for years, also a couple of hard pulls recently.  I already had an unsecured Capital One Platinum card with a $2K limit, but I really wanted something with some rewards.  I might have been able to get the unsecured Discover, but I really didn't want to add another hard pull and get declined.  Plus, I don't have a huge income (about $32K), so I figured if I could get a secured card with rewards that would eventually graduate to unsecured, that was my best move.  I applied for this one online, selecting the minimum security deposit ($200) so as not to deplete my savings by much and also not press my luck with a high limit.  I was immediately approved, authorized the bank transfer online, and 2 days later, it was taken from my bank account.  The card took a little more than a week to arrive, and I'm all set.  

With a low credit line, I know I have to be careful not to charge too much on it.  If I constantly use almost all the credit, even if I pay it off in full each month, it's unlikely they'll unsecure it and return my deposit, and my chances of their increasing my credit limit are slim.  So knowing that, I use this for small, everyday purchases -- a burger at the drive-thru, my Netflix account, etc -- never more than $50 total balance before I pay it off in full.  And paying it off is easy with their phone app to track my spending and balance.  

Take note!  They DO report this card as secured on your credit report, so some lenders will look at that a little less favorably.  However, with low credit utilization and on-time payments for about a year, your credit score will improve, and they'll return your security deposit, resulting in an unsecured card on your credit report.  I've known several people who did well with this card in just that way, so I'm biding my time to do the same.

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Apr 10, 2017
Anonymous Cardholder

I had absolutely no credit score or history of credit. So I applied and was approved by Discover it and got an unsecured card for $200 and within a month I had a credit in 600s. Now im trying to get in the 700s. If you don't have a credit score or history, this is a great card to start with. :)

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Mar 29, 2017
Best Secured Card!
JenJen3015 Cardholder

I applied and received this card in June 2016, advert submitting a $200 security deposit. This card appealed to me because it's a secured card with no annual fee and earns rewards. You get bonus points for gas and restaurant purchases, which is what I primarily use this card for. In addition, at the end of your first year, your total rewards are doubled! It is very easy to manage this account online. You have the option to change the card image, if you so choose. In addition, you get your fico score monthly, which was a huge benefit for me on my credit rebuilding journey.  It's a small credit line so I pay it off in full every month, sometimes making multiple payments in a cycle. About a month ago, I received an email from Discover advising they were returning my deposit due to me responsibly managing my account. I cannot say enough good things about this card. I highly recommend it over Cap 1's secured.

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Discover it® Secured Credit Card

73 Reviews
Cardholders' Choice i