- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
Discover it Secured
DiscoverDiscover・Discover・No.026
The gold standard for rebuilding credit: transparent deposit refund and decent rewards.
✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often. Always confirm the current offer on the issuer's site.
Reward highlights
- 2% gas & dining
- Automatic deposit-refund review after 7 months
- No annual fee
Who it's for
Best for rebuilding credit with a clear graduation path.
Good for
Key benefits
- Earns 2% at gas & restaurants and 1% elsewhere
- No annual fee
- Reports to all 3 credit bureaus
- Automatic deposit-refund review after 7 months
Rates & fees
APR and fees are illustrative. Confirm current terms on the issuer's site.
Frequently asked questions
Does the Discover it Secured have an annual fee?
No, there is no annual fee.
How much deposit is required?
A refundable security deposit starting at $200 is required.
Is it good for rebuilding credit?
Yes. It reports to all three bureaus and reviews for deposit refund starting after 7 months.
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.