Compare Discover it® Secured credit card to other credit cards

Compare secured credit cards with this helpful chart to see how Discover stands out. Look for rewards, fees and extra benefits as you compare secured credit card options to help you build your credit history.12

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Discover it® Secured Credit Card ‡

Platinum Secured from Capital One

Bank Americard Secured Credit Card

Citi Secured MasterCard

Essentials

No Annual Fee
Refundable security deposit 7
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit. 7 *See other issuers’ websites for their review periods.

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Reports to all three major credit bureaus

Rewards

Earn 2% cash back in popular categories.††

Plus earn 1% cash back on all other purchases.
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically2

See issuers' websites for their new cardmember bonuses

Redeem your rewards for cash in any amount.

Redeem your rewards for cash at any time.3
Your cash back never expires 3

Use your rewards at Amazon.com checkout 6

Use your rewards when you pay with PayPal 9

Security
Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app.11
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card10

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4

Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +

Activate free alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report 1 +

Activate free alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites. 1

Free overnight shipping for card replacement to any U.S. street address at your request 8

Value

Paying late won't raise your APR.

No late fee on your first late payment.

Service

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more † 5

100% U.S. Based Customer Service available any time.13

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†† You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  1. Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover as of August 2024. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're 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 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 cardmembers. No purchase minimums.

  3. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  6. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

  7. Getting your deposit back: Monthly reviews start your seventh month as a customer. We will refund your security deposit if you have made all payments on time for the last six consecutive billing cycles on all your Discover accounts including any loans, and you've remained in "good status" on all credit accounts you are responsible for whether they are Discover accounts or not. "Good status" means: (1) your credit report shows no delinquencies, charge-offs, repossessions, or bankruptcies for the six months prior to our review; and (2) your Discover secured card is not in a prohibited status at the time of our review, including, but not limited to: closed, revoked, suspended, subject to tax levy, garnishment, deceased, lost/stolen, or fraud. Monthly reviews may be delayed if you change your payment due date. We typically process your refund in 2-3 business days based on your delivery preference. If you close your account and pay in full, we'll return your deposit within two billing cycles plus ten days.

  8. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  9. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions.

    All reward redemptions are subject to Discover’s reward program terms. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.

    PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

  10. $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. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

  11. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  12. Build credit with responsible use(Secured): Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.

  13. 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

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