Last Updated: 05/14/2026
SuperMoney User Recommendation Score +50
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 700
Annual Fee
$0
Number of Reviews
Discover it Secured Credit Card Review
This is a secured credit cashback credit card issued by Discover® Bank. If you're wondering whether Discover it Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 22.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Discover it Secured Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Discover It card
| The Good | The Bad |
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Discover It card FAQ
Does Discover It card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Discover It card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Discover It card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Discover It card benefits?
Discover it Secured Credit Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Discover It card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Discover it Secured Credit Card has a variable purchase APR of 22.99%. The card has a variable balance transfer APR of 22.99% . It also has a variable cash advance APR of 24.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Discover It card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 10.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 22.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 10.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Discover It card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Discover It card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Discover It card?
The customer service number for Discover It card is (800) 347-2683.
What is the support contact email for Discover It card?
The support contact email for Discover It card is service@email.discover.com.
How do people rate the customer service and user experience of Discover It card?
Overall, Discover It card is strongly recommended based on community reviews that rate customer service and user experience.
Does Discover it Secured Credit Card report your account activity to credit bureaus?
Yes, Discover it Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Discover® Bank perform a hard credit pull?
Yes, Discover It card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Discover It card
- Visit the website of Discover It card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
8:30AM - 1:00PM
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Other Credit Cards from Discover® Bank
Purchase APR
18.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
12.99% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 21.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
12.99% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 21.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 25.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Discover it Secured Credit Card Community Reviews
Would you recommend Discover it Secured Credit Card to your friends?
AB
Amy B.
Oct 24, 2022
May or may not recommend
I had no credit history. This one often came up when researching because secured credit cards are usually easier to get. That's because you have to put a deposit down. On the bright side, there is no annual fee, a decent estimated graduation date (~8 months), good product change options, and decent rewards. You get a 2x cashback match in the first year, 2% on gas stations and restaurants each ...Show More
MH
Misty H.
Aug 28, 2021
May or may not recommend
I was denied due to poor credit but yet this card is supposed to be for those who have poor credit.
MF
Molly F.
Jul 9, 2021
May or may not recommend
I helped my boyfriend sign up for this card when he was just getting into the credit scene- he had absolutely no history, and initially Discover would not approve him for the Unsecured version of this card. He did have to pay $200 up front as the security deposit, which essentially backs your credit to eliminate the risk on Discover's end, but it ended up being a pretty handy tool ...Show More
ZW
Zoe W.
Feb 11, 2021
May or may not recommend
Discover Credit Card was the first card I had ever gotten and I do not regret it. I love the mobile app for easy banking and I think it a great service to use for young adults and students. Their customer service is great and I alway have my questions and issues answered within a timely manner. I love the cask back options every month which can be used towards ...Show More
LD
Layla D.
Jan 18, 2021
May or may not recommend
I would recommend, simply because I have not yet faced any issues with this service or the Discover bank. I have called customer service a few times for small issues like log in trouble. I was spoken to respectfully and my issues were solved quickly. The mobile banking app is also simple to use.
DD
Diane D.
Jan 15, 2021
May or may not recommend
I used to love Discover until they treat me like an afterthought. Discover closed my credit card account without warning. When I called to see why I was told because I wasn't using it in the past 6 months without no warning. What. This is the first time this has ever happened to me in my life. I wasn’t using my card because of the pandemic. My income decreased and ...Show More
PF
Phil F.
Dec 30, 2020
May or may not recommend
As a student (well, former at this point), this credit card was wonderful to use and with an intuitive service. The only potential downside for Discover is that it is not as widely used, particularly for small businesses, but I've noticed a trend of widespread Discover usage throughout my area in recent years. So this is not much of a problem.
Otherwise, the employees of Discover are very helpful answering questions, ...Show More
AC
Ashley C.
Nov 4, 2020
May or may not recommend
My experience with Discover it Credit Card started off really bad and upsetting, but then it turned out to help my credit. At first I was denied, but then I was contacted by letter as to why I was denied. I would recommend Discover to anyone because the customer service reps actually take the time to explain, either by sending a letter or by phone when you call, and help ...Show More
Showing 8 of 8 reviews
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