You earn rewards on every purchase
Earn 2% Cashback Bonus® at Gas Stations and Restaurants
On up to $1,000 in combined purchases each quarter– automatically.2
Earn on Every Purchase
Plus earn unlimited 1% cash back on all other purchases.
We'll help you stay on track
Automatic Payments
You can conveniently pay your Discover bill automatically each month.
Account Alerts
Enroll in payment reminders and other notifications that will help you stay on top of things.
Security is always our priority
SSN Alerts
We’ll monitor thousands of Dark Web sites and alert you if we find your Social Security number. Activate for free.6
Credit Alerts
We’ll monitor your Experian® Credit report and notify you if anyone pulls your credit or opens a new account. Activate for free.6
Freeze It®
Freeze your account to prevent new purchases, cash advances and balance transfers in seconds.7
Frequently Asked Questions
Automatic reviews start at 7 months to see if we can transition you to an standard line of credit and return your deposit. If you qualify to get your deposit back, you’ll automatically be considered for a credit line increase.1
You’ll get your deposit back after six consecutive on-time payments and six months of good status on all your credit accounts.1 Keep in mind that we’ll review status for all your credit cards and loans, including Discover and others, such as car loans.
The six consecutive on-time payments required to get your deposit back include statements that have no balance or no payment due. So if you don't need to make a payment on a statement, it will count as an on-time payment and won't reset your chance to upgrade your account. Remember, we’ll also review all your other credit accounts for six months of good status before returning your deposit.1 And keep in mind, making multiple payments each month won’t help you get your deposit back faster.
A Discover it® Secured Card payment is late if you do not make a minimum payment by your payment due date, or if your payment is returned after your payment due date, even if it’s not yet reported late or delinquent on your credit report. For other creditors, we will review your recent credit bureau information for good status. The best way to avoid delinquencies or charge-offs is to make at least your minimum payment due on time.
Check out our Credit Resource Center for helpful articles.
Once you qualify, we’ll process your refund within 2-3 business days. After that, your security deposit will be returned by check in the mail, and in most cases, within 7-10 business days.
Your refund will be sent to the address we have on file for you.
Early reviews aren’t available. We start automatic, monthly account reviews at 7 months.
We’ll only contact you if you qualify to upgrade to an unsecured card. If you don't qualify after six months from account opening, we'll continue monthly account reviews automatically.
1 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.
2 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.
3 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. See rewards terms and conditions.
4 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.
5 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.
6 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.
7 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.