Last Updated: 07/28/2025
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)
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Balance Transfer APR (Variable APR)
22.99%(Verified 06/21/2024)
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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
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Discover It card?
You can access the login page of Discover It card here.
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.
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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.
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