Discover it® Secured Credit Card: build credit with confidence
The Discover it® Secured Credit Card offers a strategic way to build or rebuild your credit while enjoying valuable perks typically reserved for traditional credit cards. With no annual fee, cash back rewards, and access to free credit-building tools, it’s a smart and secure step toward better financial health.
By: Zienic

No Annual Fee
Enjoy all the benefits of the Discover it® Secured Credit Card without paying any yearly charges.

Cash Back on Every Purchase
Earn 2% cash back at gas stations and restaurants (up to $1,000 per quarter) and 1% on all other purchases.

Automatic Credit Reviews
Starting at 7 months, Discover automatically reviews your account monthly to consider transitioning you to an unsecured line.

Credit-Building Support
Get free access to your FICO® Score and credit tracking tools to support your financial growth.
Why the Discover it® Secured Credit Card Stands Out
If you're looking to build or rebuild your credit without giving up the benefits of a traditional credit card, the Discover it® Secured Credit Card is a strong contender. Unlike many secured cards that charge annual fees and offer no rewards, Discover's secured option provides cash back on everyday spending: 2% at gas stations and restaurants (up to $1,000 in combined purchases per quarter) and 1% on all other purchases. That means your routine expenses can actively contribute to your financial goals. One of the standout features is the path to graduation. Starting at seven months, Discover begins automatic monthly reviews of your account to determine if you qualify to upgrade to an unsecured card. When eligible, your security deposit is refunded, and your credit journey continues with even greater flexibility. Security and transparency are core to the card’s structure. You’ll never be charged an annual fee, and with free access to your FICO® Score, you'll have the insights you need to monitor your progress. Whether you’re new to credit or repairing past mistakes, the Discover it® Secured Credit Card provides both the tools and the encouragement to help you move forward.
-
Is the Discover it® Secured Credit Card available to people with no credit history?
Yes, it’s specifically designed for individuals who are new to credit or working to rebuild it.
-
Does the card charge any annual fee?
No, the Discover it® Secured Credit Card has no annual fee, making it an affordable option for credit-building.
-
When do I get my security deposit back?
Starting at seven months, Discover will automatically review your account monthly. If you qualify for an unsecured card, they’ll refund your deposit.
-
Can I increase my credit limit?
Yes, by depositing more than the $200 minimum, you can set a higher initial credit limit (subject to approval).
-
Will this card help improve my credit score?
Yes, as long as you use the card responsibly. Discover reports your activity to all three major credit bureaus.
How to Apply for the Discover it® Secured Credit Card
Applying for the Discover it® Secured Credit Card is a straightforward process designed with accessibility in mind. First, visit the Discover website and navigate to the Secured Credit Card section. There, you'll find a detailed overview of the card's features and a secure application portal. The application typically requires basic personal information—such as your name, Social Security number, address, and income details—to determine your eligibility. A minimum refundable security deposit of $200 is required to open your account. This deposit serves as your credit line and is held in a secured account. You can choose to deposit more if you wish to access a higher credit limit, up to the approved maximum. Once approved, your card will be mailed, and you can begin using it like any other credit card. Your activity is reported to all three major credit bureaus, which is essential for building a positive credit history. It’s recommended that you use the card responsibly by keeping your balance low and paying your bill on time each month. Discover also provides online tools and alerts to help you manage your account efficiently. With easy account setup, responsible credit-building opportunities, and rewards for everyday spending, the Discover it® Secured Credit Card makes the application and usage experience smooth and empowering.