Discover it® Secured Card

Card details
on Capital One's secure website
4.7, 1839 votes
Card details
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
Purchases Intro APR N/A
Balance Transfers Intro APR 10.99% for 6 months
Regular APR 23.74% Variable
Annual Fee $0
Recommended credit score
350 689 No Credit, Bad, Average
Our Review
  • No annual fee
  • Great cash back rewards
  • Clear upgrade process
  • Good bonus offer

For people with bad credit, the Discover it Secured Card will be the best credit card available due to its benefit of no annual fee. Aside from that, it also offers great rewards: 2% cash back when spending up to $1,000 per quarter on restaurants, gas and 1% on other expenses. Cardholders will have an opportunity to upgrade to an unsecured card if they take responsibility of the Discover it Secured Card for eight months.


People who want to use this card need to get access to the traditional financial services because they have to pay the initial deposit with a bank account. They cannot use Discover it Secured Card if they are not lucky to enjoy the traditional financial services.


The rewards and bonus of this secured card for bad credit is even better than those of the unsecured cards for people with good credit.