Discover it® Secured

► 2018 Review, Application & Rates

Toby Sembower
"Since this is a secured card, applicants must deposit $200 or more to secure a credit line. Still, it's a solid option for those with bad credit, as it features a cash back rate and no annual fee."
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Discover it® Secured Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • We automatically match all the cash back you’ve earned at the end of your first year.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.99% Variable
$0
Please refer to issuer's website

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

Bad Credit
★★★★
3.9
Best Overall
★★★★
3.7
Cash Back
★★★★
3.7
Gas Rebate
★★★★
3.5
Instant Approval
(Ranked #7 out of 8)
★★★★
3.9
No/Limited Credit
(Ranked #7 out of 12)
★★★★
4.2
Secured
(Ranked #2 out of 7)
★★★★★
4.5
Toby Sembower