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Discover Bank

Discover It® Secured Credit Card

This credit card is recommended for people with the following credit scores: No score, 619 or less, and 620-719

Nationwide
Availability
Eligibility requirements
  • Applicant must self-fund the account.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

discover.com

Phone

(800) 347-2683

This is a secured card
You may have to pay a security deposit to open and use this card and will only be able to make purchases or get cash advances up to the amount of that deposit.

Purchase interest rate and fees

28.24%* Purchase APR

*As of . Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
619 or less 28.24%
2 dollar sign symbols
Pay average interest
620-719 28.24%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
None
Minimum finance charge
A minimum interest payment of $0.50 is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
daily balance including current transactions
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$41 for a late payment within six billing cycles of another late payment
Late fee policy details
$0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwise
Over-limit fee
None
Optional Identity Theft Protection
$15 (Monthly)
Returned Payment Fee
$30 ($30 if not charged a returned payment fee during any of the prior six billing periods. Otherwise, $41. As of 7/27/2024 the returned payment fee is $30 for all occurrences.)

Rewards and perks

Cash back and other Rewards

Other rewards: Cashback Match - Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year

Services
  • Access to Free Credit Scores
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Identity theft protection coverage; New inquiry & account alerts; Social Security Number Dark Web Alerts; Request data removal from select people-search sites
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

10.99%* Balance transfer APR for 6 months
+
3% Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

29.49% – 29.99%* Cash advance APR
+
5% ($10 minimum) Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 29.99%.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.