Discover it Secured Card
A secured card (requiring a deposit of at least $200) with decent cash back rewards (2% on restaurants and gas; doubled in the first year) and no annual fee.
Your total savings: $1,320 over the next 5 years
View reward detailsRewards & Perks
Reward Highlights
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
- 1% cash back on all other purchases.
- Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
Other Rewards & Perks
- Free online access to your FICO credit score: You can opt-in to access your FICO Score updated monthly for free, within your Mobile Banking app or in Online Banking.
- Free Social Security number alerts: These alerts will notify you if your Social Security Number is found on a Dark Web site.
- Freeze or unfreeze your credit card at anytime: Switch your credit card off or on at anytime. By switching it off, you'll stop any new purchases, cash advances, or balance transfers on your account. This would be in effect until you decide to switch your credit card back on.
- Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
Special Signup (Promo) Rewards & Perks
- Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
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Rates & Fees
Summary of Rates & Fees
- No annual fee.
- APR on purchases: 22.99%.
- APR on balance transfers: 22.99%. (10.99% for the first 6 months on balance transfers that post to your account within the first 2-3 months.)
- No foreign transaction fees.
Annual Fee: $0
Interest Rate (“Purchase APR”): 22.99%
Other Info
Date Introduced: 2013-01-02
Date Last Updated: 2021-01-15
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