Skip to content
Credit Card SignUps
Advertiser disclosure: We are paid by partners when you apply for some of the cards on this page through our links. Compensation can affect where and in what order offers appear. It does not affect our ratings or reviews. Read the full disclosure.
Discover · discover it

Discover it Secured Credit Card

4.5 / 5
Discover Cashback Bonus · Personal card

The clearest path from a secured card to an unsecured one. Real rewards on a card most people use for one purpose.

Compare featured offers Read issuer terms

At a glance

Issuer terms
Welcome bonus
No welcome bonus
No spend requirement
Annual fee
$0
Purchase APR
28.24%
No intro APR
FX fee
None
BT intro: 10.99% for 6 months
Rates accurate as of
Editorial

Our take

The clearest path from a secured card to an unsecured one. Real rewards on a card most people use for one purpose.

Verdict

Pros & cons

Pros

  • Cashback Match doubles year-one earnings
  • Automatic graduation review
  • No annual fee
  • Real rewards categories rather than zero

Cons

  • Requires a refundable security deposit
  • High ongoing APR
  • Discover acceptance is narrower internationally
Earnings

Earn rates

CategoryRateNotes
Gas & restaurants2%On combined purchases each quarter, then 1%.·cap $1,000
All other purchases1%
Benefits

Key benefits

Cashback Match year one

Discover doubles all the cash back you earn in the first 12 months.

Graduates to unsecured

After about 7 months of responsible use, Discover automatically reviews for graduation.

Free FICO score

Track your credit progress every month at no extra cost.

Fit

Who this is best for

  • First-time cardholders without a credit history
  • People rebuilding after a credit setback
  • Anyone who wants a fee-free secured card with rewards
FAQ

Frequently asked questions

What is the Discover it Secured welcome bonus?
Cashback Match for the first year. Discover automatically doubles all cash back earned at the end of your first year.
Does the Discover it Secured charge an annual fee?
No. The Discover it Secured has a $0 annual fee.
Does the Discover it Secured have a foreign transaction fee?
No. The Discover it Secured charges no foreign transaction fee, so it works well for international purchases.
What APR does the Discover it Secured charge?
The purchase APR is 28.24% variable.
Who is the Discover it Secured best for?
First-time cardholders without a credit history. People rebuilding after a credit setback. Anyone who wants a fee-free secured card with rewards.
Similar

Related cards

Apply

Discover it Secured Credit Card

No spend requirement
Compare featured offers

Rates accurate as of May 15, 2026. Issuer terms.