Discover it® Secured Credit Card
Cash-back style earn with a path to an unsecured card when offered.
Card details reviewed October 2, 2026. Confirm everything on the issuer site.
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Key facts
| Annual fee band | $0 No annual fee per the research, but a refundable security deposit is required. |
|---|---|
| Welcome offer | Check current offer on issuer site |
| APR and any intro APR | Check current terms on issuer site (see "Rates & Fees") |
| Credit typically targeted | Limited / building, Fair (a guide only, not a guarantee of approval) |
| Rewards type | Cash back |
| Foreign transaction fee | None |
| Bonus category caps | Yes |
| Network | Discover |
| Card for | Personal |
Who it may fit
- Build or rebuild credit
Features
Pros
- Earns rewards while you build credit
- No annual fee
Cons
- Deposit ties up cash
- Acceptance gaps outside the US
Watch out for
- Refundable deposit required.
- Discover acceptance can be thinner abroad.
- Graduation to unsecured is not guaranteed.