Discover • Discover
Discover it® Secured Card
Earn 2% cash back and graduate to unsecured.
★ ★ ★ ★ ★
4.8 (24,561 reviews)High Approval OddsApply on Official Site →
Annual Fee
$0
Min Deposit
$200
APR
28.24%
Credit Check
Hard Pull
✓ Pros
- + 2% cash back at gas & restaurants, 1% everywhere else
- + No annual fee
- + Automatic review for upgrade after 7 months
- + Discover matches ALL cash back in your first year
- + $0 fraud liability
✗ Cons
- − Requires 580+ credit score
- − Not available in Wisconsin or Iowa
- − Hard credit pull on application
- − $200 minimum deposit
Best For
People with 580+ credit scoreThose wanting cash back rewardsPeople aiming to graduate to unsecured
Full Card Details
| Card Network | Discover |
| Issuing Bank | Discover |
| Annual Fee | $0 |
| Monthly Fee | $0 |
| APR | 28.24% |
| Deposit Range | $200 – $2500 |
| Credit Line | Equal to your deposit |
| Min Credit Score | 580+ |
| Credit Check | Hard inquiry |
| Reports to Bureaus | Experian, Equifax, TransUnion |
| Path to Unsecured | Yes |
| Refundable Deposit | Yes |
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