A real credit card with no annual fee plus earn cashback on purchases. See terms and apply for secured credit card today. Annual Fee: None.x% standard variable purchase APR. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. If you want to build a credit history,2 or looking to rebuild credit with responsible use,2 the Discover it® Secured Credit Card may be right for you. To see if you qualify, Discover reviews your application, credit report, and other information. And while you work on your credit, the Discover it® Secured Credit Card also provides other industry-leading benefits, like cash back rewards on every purchase, a refundable security deposit, security features like Online Privacy Protection and $0 Fraud Liability Guarantee, and more.

The Discover it® Secured Credit Card helps you build your credit history with responsible use.2 It looks and acts like a traditional credit card except that you provide a refundable security deposit, which will equal your credit line, of at least $200.1 And like a traditional credit card, as you use your credit card, you’ll need to make payments each month and your credit card account use is reported to the three major credit bureaus. So, your on-time payments and responsible use can help build your credit history.2 Discover conducts automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.3 These reviews will look for your responsible credit use across all your cards and loans, not just with Discover. Apply Now.

A secured credit card requires you to make a deposit equal to the amount of your credit line, while an unsecured credit card requires no deposit.

To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. You’ll need to be at least 18 years of age, have a Social Security number, U.S. address and U.S. bank account, and provide all the required information in the online application. Be sure to have your bank routing number and account number handy when you apply. There’s no credit score required to apply* for a Discover it®️ Secured Credit Card.

If you’re not approved, we’ll provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we couldn’t approve your application.

Applications are taken 24X7 on Discover.com. Apply Now

Some secured credit cards can help you build or rebuild credit if used responsibly, and if your card issuer reports your credit activity to the major credit bureaus. For example, the Discover it® Secured Card can help you build your credit history2 if you responsibly use your account and pay your other loans on time. Be sure to make at least your minimum monthly payment due on time. It may also help to pay down existing credit card debt and dispute errors on your credit report. How long it takes to get the credit score you want depends on where you’re starting, and how you use your secured card, other credit accounts, and loans. With the Discover it® Secured Credit Card, after 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an ‘unsecured’ card and get your deposit back.3Apply for a Discover it® Secured card today, and if approved begin to build your credit with responsible use.2Discover determines your credit limit based on the information you provide. Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.1 If approved, you could have a credit limit up to $2,500.

1. If you pay your balance in full and close your credit card account, we’ll refund your security deposit, which can take up to two billing cycles plus 10 days. 2. After 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an ‘unsecured’ card and get your deposit back.3 These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others.

Yes. Getting a secured credit card isn’t guaranteed. Your application can be turned down.

Your APR—or annual percentage rate—on a secured credit card is a statement of the interest rate as a yearly rate. Let’s say you started a new term and charged $500 for books, with an 18% APR. If you made only the minimum payment every month for 12 months, you would owe an extra $42 in interest.

With Discover, your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.1 When you’re trying to build a credit history, you need a credit limit that lets you easily make regular purchases and pay your bill responsibly.

Yes, a credit card issuer will typically place a hard inquiry on your credit report when you apply for either secured or unsecured credit cards.

Paying your Discover it®️ Secured credit card is like paying any regular credit card. Each month, you’ll receive a statement with your minimum payment due by the due date. Pay at least the minimum amount due by the due date to keep your account in good standing.

No, you can’t increase the credit limit on your secured card. However, you can get your deposit back after six consecutive months of on-time payments and maintaining good status on all your credit accounts. If you qualify to get your deposit back, you’ll automatically be considered for a credit line increase.3

Annual Fee: None.x% standard variable purchase APR. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

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