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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, and 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 of 24.49%. Balance transfer APRs start at 24.49%.

Is an introductory APR offer available?

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

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

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Availability

Available in 50 States and Washington, DC
  • 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 / Deferred Interest (Months)
25
Annual Fee
$0
No Annual Fee
No Foreign Transaction Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$0.5
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
300 - 700
850 300 700
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
Bonus Rewards
2x
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
No Reward Expiration Period
Purchases APR
(Variable APR)
Starting at
24.49%
Balance Computation
daily balance (including new transactions)
Credit Limit
2500
Balance Transfer APR
(Variable APR)
Starting at
24.49%
Transfer Fee
3%
Introductory Rate
10.99%
Intro APR period (months)
6

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