Discover it Secured Cash Back

Deposit amount will be $49, $99, or $200 based on creditworthiness.

Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit.

Your deposit will be returned and your account unsecured. All other card terms and features will remain the same.

Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 365 days and add it to your rewards account within two billing periods. You earn cash back only when transactions are processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover or Capital One checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardholders. No purchase minimums.

No credit score required to apply: We may use credit scores if available.

Alerts and CreditWise Terms: Eligible users who have signed up for CreditWise, a free credit monitoring service provided by Capital One, will get access to their TransUnion® credit report, FICO Score 8, credit monitoring alerts based on select changes to their TransUnion® and Experian® credit reports and information we find on the Dark Web, tools to help them understand their credit, offers, and more. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile with TransUnion. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to have a Capital One account (which includes Discover card accounts) to sign up for CreditWise. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

When you freeze or lock your account, Capital One will decline new charges including, but not limited to: Purchases (including in-store, online, in-app and by phone) and cash advances. Any cards with the same number will also be locked. If you have authorized users, you need to lock their cards individually. Only the primary cardholder is able to unlock authorized users’ cards online. Some limitations may apply including but not limited to: (i) Service outages may occur and routine maintenance may result in downtime, during which the transactions might be approved; (ii) Some types of activity may continue, including but not limited to, returns, credits, dispute adjustments, payments, protection product fees, other account fees, interest, rewards redemptions and certain exempted transactions; (iii) If you have charges continuing from a previous card number that transferred to this card, those charges should continue since they’ve been authorized. You can remove merchants from your ‘Continued Charges’ list at any time; and (iv) Balance transfers may still be authorized. Capital One customers are responsible for regularly checking their account activity and making payments on locked cards.

FICO® Credit Score and CreditWise Terms: Eligible users who have signed up for CreditWise, a free credit monitoring service provided by Capital One, will get access to their TransUnion® credit report, FICO Score 8, credit monitoring alerts, tools to help them understand their credit, offers, and more. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile with TransUnion. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to have a Capital One account (which includes Discover card accounts) to sign up for CreditWise. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Acceptance: According to the Feb 2026 issue of the Nilson Report.

$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Unauthorized use and $0 fraud liability claims are subject to investigation and verification. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends.

Customer service: Certain specialized customer service agents may not be available 24/7.

You can use the tap to pay feature with your contactless card anywhere your Discover credit card is accepted, and you see the contactless symbol  at checkout. Not all merchants accept contactless payments. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.