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Discover it Secured Credit Card

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Discover it Secured Credit Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Discover it Secured Credit Card is a secured credit card issued by Discover Bank, which is based in Greenwood, DE.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

Discover it Secured Credit Card is designed for people with a credit score of 300 to 700. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks.

This card has a credit limit of $2500.

What are the relevant APRs?

Discover it Secured Credit Card has a variable purchase APR starting at 24.49%.

The card has a variable balance transfer APR starting at 24.49%.

It also has a variable cash advance APR starting at 26.49%.

Is an introductory APR offer available?

Yes, Discover it Secured Credit Card offers an introductory APR rate on balance transfers of 10.99% for a period of 6 months.

Discover it Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Discover it Secured Credit Card:

  • There is no annual fee.
  • A late payment penalty of $37.
  • A returned payment fee of $37.

Is a rewards program offered?

Discover it Secured Credit Card offers a rewards program to its customers. The rewards program. allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Restaurants

Is a signup bonus offered?

Discover it Secured Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Discover it Secured Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Discover it Secured Credit Card provides the following benefits:

  • Free Credit Score
  • Fraud Liability
  • Reports to major credit bureaus

Does Discover it Secured Credit Card report your account activity to credit bureaus?

Discover it Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 25
Annual Fee $0
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $37
Returned Payment Fee $37
Minimum Interest Charge $0.50
Balance Transfer Fee % 3%
Minimum Age 18
Credit Score Range 300 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Bonus Rewards 2x
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
Purchase APR (Variable APR) Starting at 24.49%
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance (including new transactions)
Credit Limit 2500
Balance Transfer APR (Variable APR) Starting at 24.49%
Introductory Rate 10.99%
Intro APR period (months) 6

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