Discover Secured Credit Card | Build Your Credit History

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It's important to show a good credit score in case you want to rent an apartment, finance a car loan, get hired by employers who review credit reports, or use a mortgage to buy a house.", "image":"https://www.discover.com/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-secured-fr-rgb-620-382.png", "step": [{ "@type": "HowToStep", "name": "Check your credit score", "text": "Discover shows your FICO® Credit Score9 for free, so you can track it. Seeing how your credit score is affected by your credit actions can help you improve your credit knowledge.", "url": "https://www.discover.com/credit-cards/secured-credit-card/" }, { "@type": "HowToStep", "name": "Apply for the Discover it® Secured Card", "text": "With the Discover it® Secured Credit Card, you provide a refundable security deposit to back your credit line. You still make monthly payments, and can build credit with responsible use.", "url": "https://www.discover.com/credit-cards/secured-credit-card/" }, { "@type": "HowToStep", "name": "Pay credit bills on time", "text": "The Discover it® Secured Card can help you build credit with responsible use, like making your payments on time and in full each month. 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data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-it-67-60.webp"/> <div>Discover it® Student Cash Back<span class="short_disc">Start building credit in college</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it Student Chrome Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-chrome-67-60.webp"/> <div>Discover it® Student Chrome<span class="short_disc">Earn restaurant & gas rewards as a student</span> </div> </a> </li> <li> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it Secured Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-it-67-60.webp"/> <div>Discover it® Secured<span class="short_disc">Build or rebuild your credit</span> </div> </a> </li> <li> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it Miles Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.webp"/> <div>Discover it® Miles<span class="short_disc">Explore with the travel rewards credit card</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it Chrome Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-it-67-60.webp"/> <div>Discover it® Chrome<span class="short_disc">Earn restaurant & gas rewards</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it NHL Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.webp"/> <div>NHL Credit Card<span class="short_disc">Represent your team & earn cash back</span> </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_ccf" id="expand_menu_icon" aria-expanded="false"> <span>Credit Cards by Feature</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_CCF_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self" data-lazy="true"> <img alt="Multi Card Icon" class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self" data-lazy="true"> <img class="cardImgf" alt="Cash Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> <div>Cash Back Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self" data-lazy="true"> <img class="cardImgf" alt="Two Way Arrow Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> <div>Balance Transfer Credit Card Offers </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Graduation Cap Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> <div> Credit Cards for College Students </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" alt="Checkmark Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> <div>Credit Cards for No Credit History </div> </a> </li> <li class="cardImgli"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" alt="Meter Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> <div>Credit Cards to Build Credit </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self" data-lazy="true"> <img class="cardImgf" alt="$0 Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> <div>No Annual Fee Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Ribbon Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> <div>Rewards Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self" data-lazy="true"> <img class="cardImgf" alt="Low Percent Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> <div> Low Interest Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Gas Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> <div>Gas Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Mobile Phone with Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> <div>Instant Use Credit Cards </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_tar" id="expand_menu_icon" aria-expanded="false"> <span>Tools and Resources</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_TAR_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self" data-lazy="true"> <img alt="Multi Card Icon" class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="/credit-cards/calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self" data-lazy="true"> <img class="cardImgf" alt="Calculator Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> <div>Credit Card Calculators </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self" data-lazy="true"> <img class="cardImgf" alt="Mail Envelope Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> <div>Respond to Mail Offer </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Laptop and Phone Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> <div>Check Application Status </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/card-smarts/?ICMPGN=SUBNAV_TAR_CARD_SMARTS" target="_self" data-lazy="true"> <img class="cardImgf" alt="Paper and Pencil Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-paper-pen-28-24.svg"/> <div>Card Smarts Articles </div> </a> <ul> <li class="card_indent"> <a href="https://www.discover.com/credit-cards/card-smarts/getting-a-credit-card/?ICMPGN=SUBNAV_TAR_GETTING_A_CARD" target="_self">- Getting a credit card</a> </li> <li class="card_indent"> <a href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?ICMPGN=SUBNAV_TAR_USING_YOUR_CARD" target="_self">- Using your credit card</a> </li> <li class="card_indent"> <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-rewards/?ICMPGN=SUBNAV_TAR_CARD_REWARDS" target="_self">- Credit card rewards</a> </li> </ul> </li> <li class="cardImgli"> <a href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self" data-lazy="true"> <img class="cardImgf" alt="Graduation Cap Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> <div>Discover® Scholarship Sweepstakes </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self" data-lazy="true"> <img class="cardImgf" alt="Meter Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> <div>Free Credit Score for Cardmembers </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self" data-lazy="true"> <img class="cardImgf" alt="Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> <div>Compare Credit Cards </div> </a> </li> </ul> </li> </ul> <a href="#" class="custom-focus panel-ax-bottom">.</a> </nav>  </div> </div> </header> <section id="navTabs" class="one-column-new earn-cashBack-comp scrolltracking"> <div class="one-column__background theme-background" style="opacity: calc(100 / 100)"></div> <div class="one-column__container"> <div class="one-column__container__parsys parsys-content">  <div class="tabs"> <ul class="tabs-list"> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccp" data-href="#tab1">Credit Card Products</a> <div id="tab1" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a 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data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-cash-back-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/it-card.html?ICMPGN=SUBNAV_CCP_IT" target="_self">Discover it® Cash Back</a> <span class="short_disc">Earn cash back rewards</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it Student Cash Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/it-card.html?ICMPGN=SUBNAV_CCP_STUDENT_IT" target="_self">Discover it® Student Cash Back</a> <span class="short_disc">Start building credit in college</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it Student Chrome Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-chrome-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self">Discover it® Student Chrome</a> <span class="short_disc">Earn restaurant & gas rewards as a student</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it Secured Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self">Discover it® Secured</a> <span class="short_disc">Build or rebuild your credit</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it Miles Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.webp"/> </li> <li class="nav_element-text"> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self">Discover it® Miles</a> <span class="short_disc">Explore with the travel rewards credit card</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it Chrome Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self">Discover it® Chrome</a> <span class="short_disc">Earn restaurant & gas rewards</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it NHL Card Art" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self">NHL Credit Card</a> <span class="short_disc">Represent your team & earn cash back</span> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccf" data-href="#tab2">Credit Cards by Feature</a> <div id="tab2" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_CCF_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img alt="Multi Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Cash Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self">Cash Back Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Two Way Arrow Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self">Balance Transfer Credit Card Offers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Graduation Cap Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self"> Credit Cards for College Students</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Checkmark Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self">Credit Cards for No Credit History</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Meter Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self">Credit Cards to Build Credit</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="$0 Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self">No Annual Fee Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Ribbon Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self">Rewards Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Low Percent Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self"> Low Interest Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Gas Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self">Gas Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Mobile Phone with Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self">Instant Use Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_tar" data-href="#tab3">Tools and Resources</a> <div id="tab3" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_TAR_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img alt="Multi Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Calculator Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> </li> <li class="nav_element-text"> <a href="/credit-cards/calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self">Credit Card Calculators</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Mail Envelope Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self">Respond to Mail Offer</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Laptop and Phone Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self">Check Application Status</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Paper and Pencil Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-paper-pen-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/card-smarts/?ICMPGN=SUBNAV_TAR_CARD_SMARTS" target="_self">Card Smarts Articles</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/getting-a-credit-card/?ICMPGN=SUBNAV_TAR_GETTING_A_CARD" target="_self">- Getting a credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?ICMPGN=SUBNAV_TAR_USING_YOUR_CARD" target="_self">- Using your credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-rewards/?ICMPGN=SUBNAV_TAR_CARD_REWARDS" target="_self">- Credit card rewards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Graduation Cap Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self">Discover® Scholarship Sweepstakes</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Meter Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self">Free Credit Score for Cardmembers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="Card Icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self">Compare Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> </ul> </div>  </div> </div> </section> </div> </div> </div> </div> </div> </div> <div class="emergencybanner aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="breadcrumb aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-breadcrumb cmp--mobile-hidden" aria-label="Breadcrumb"> <div class="cmp-breadcrumb__container section-container"> <ol class="cmp-breadcrumb__list" itemtype="http://schema.org/BreadcrumbList" itemscope=""> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Discover</span></a> <meta itemprop="position" content="1"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/credit-cards/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Credit Cards</span></a> <meta itemprop="position" content="2"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item cmp-breadcrumb__item--active" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <span itemprop="name">Discover it<sup>®</sup> Secured</span> <meta itemprop="position" content="3"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> </ol> </div> </nav> </div> <div class="stickynav aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-navigation cmp-navigation--sticky theme-background theme-white-background-gradient scrolltracking"> <div class="section-container cmp-navigation__container"> <div class="cmp-navigation__container cmp-navigation__container--logo"> <a href="https://www.discover.com/credit-cards/?ICMPGN=ACQ_NAV_DLOGO" target="_self"><img class="cmp-navigation__logo" id="flag" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-discover-logo-136-23.png" alt="discover logo"/></a> <a class="cmp-navigation__top-link" href="#">Back To Top</a> </div> <div id="jumpNav" class="cmp-navigation__container cmp-navigation__container--jump-links navbar"> </div> <div class="cmp-navigation__container cmp-navigation__container--cta"> <div class="cmp-button--cta cmp-button--cta--opaque-orange "> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&lfo_id=Normal&mboxPage=product_secured&ICMPGN=ACQ_HNAV_SECURED_APPLY_NOW_BTN" target="_self" data-analytics-label="HNAV:Apply Now"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </nav></div> <div class="twocolumntile cmp-p-50 two-column--padding-horizontal-none theme-white-background-gradient light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='secured-marque-section' class="two-column two-column--50-50 two-column--content-left two-column__background theme-background scrolltracking"> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title__text-heading cmp-title--orange"> <h1 id="title-1340882888" class="cmp-title__text">Discover it<sup>®</sup> Secured Credit Card</h1> </div> <div class="cmp-title theme-background cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title--673481225" class="cmp-title__text">See if You're Pre-Approved</h2> </div> <div class="cmp-text " id="text-top-bottom-no-margin"> <p>With no harm to your credit <span class='no-break'>score<sup><a aria-label="17" class="disclosure" data-analytics-label="Tooltip:17" data-scrollto="q17" href="javascript:void(0);">17</a></sup></span></p> </div> <div class="parsys-content"> <div class="spacer separator"> <div id="spacer-f916316906" class="cmp-spacer theme-white-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 22.84px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 22.84px;"></div> </div> </div> <div class="targetcontainer"> <div id="target-text" class="cmp-target-container cmp--show-all cmp--visibility-override scrolltracking"> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/preapproval/initial?icmpgn=ACQ_ORGANIC_SECURED_PREQUAL" target="_self" data-analytics-label="PREQUAL TOP"> <span class="cmp-button__text"> Check Now <span class="sr-only"> </span> </span> </a> </div> </div> <div class="text"> <div class="cmp-text " id="text-top-bottom-no-margin"> <p><span class='tsi-divider'>OR</p> </span> </div> </div> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--outline-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&ICMPGN=ACQ_SECURED_APPLY_NOW_TOP_BTN" target="_self" data-analytics-label="APPLY NOW TOP"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </div> <div class="spacer separator"> <div id="spacer-cbebfed14e" class="cmp-spacer theme-white-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 22.84px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 22.84px;"></div> </div> </div> <div class="title"> <div class="cmp-title theme-background cmp-title_text-subheading-var "> <h4 id="title-1880895638" class="cmp-title__text"><a aria-label="No annual fee" class="disclosure no-disclosure tooltip-disclosure" data-analytics-label="NO ANNUAL FEE:TOP" data-disclosure="naf-ce89c03b-d722-486d-bbea-7f7217a23a90" href="javascript:void(0);">No annual fee</a>. No credit score required to <span class='no-break'>apply<sup><a aria-label="5" class="disclosure" data-analytics-label="NAF_TERMS" data-scrollto="q5" href="javascript:void(0);">5</a></sup></span></h4> <div class="tooltip-content-wrapper test" style="display:none" id="naf-ce89c03b-d722-486d-bbea-7f7217a23a90"> <div class="tooltip-content"> <button class="tooltip__close-btn" aria-label="Close"></button> <div class="tooltip-content__fragment"> <b>Annual Fee: None.</b> <b><span class="product6 purchaserateactualapr">x</span>% standard variable purchase APR. Intro Balance Transfer APR</b> is <b><span class="product6 btaprrate">x</span>%</b> for <b><span class="product6 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="product6 btdate">x</span></b> then the standard purchase APR applies. <b>Cash APR: <span class="product6 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than <b>$.50. Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product6 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="product6 btdate">x</span></b> and up to <b><span class="product6 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. </div> </div> </div> </div> </div> <div class="targetcontainer"> <div id="target-bv-mobile" class="cmp-target-container cmp--mobile-show cmp--visibility-override scrolltracking"> <div class="ratings"> <div class="cmp-ratings cmp--mobile-hidden"> <div class=" conversation-api"> <div class="conversation-stars">★★★★★<div class="conversation-stars-inner">★★★★★</div></div> <div class="conversation-value"><p><a href="/credit-cards/secured-credit-card/reviews/#all-reviews" data-analytics-label="Ratings and reviews"><span class="product6 avgrating">x</span> out of 5 Average of <span class="product6 totalreviews">x</span> Reviews</a><sup><a aria-label="14" class="disclosure" data-analytics-label="Tooltip:14" data-scrollto="q14" href="javascript:void(0);">14</a></sup></p> <p><a aria-label="See how" class="disclosure" data-analytics-label="SEE HOW ABOUT REVIES" data-scrollto="q14" href="javascript:void(0);">See how</a> we calculate our ratings<br /> </p> </div> </div> </div></div> </div> </div> </div> </div> <div class=" two-column__content-half--image "> <div class="parsys-content-two"> </div> <div class="two-column__foreground-image"> <div class="cmp-image "> <div class=" " data-lazy="false"> <img alt="Discover it® Secured Credit Card" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-secured-fr-rgb-620-382.png"/> </div> </div> </div> <div class="parsys-content"> <div class="targetcontainer"> <div id="target-bv-desktop" class="cmp-target-container cmp--desktop-show cmp--visibility-override scrolltracking"> <div class="ratings"> <div class="cmp-ratings cmp--mobile-hidden"> <div class="single-row60 conversation-api"> <div class="conversation-stars">★★★★★<div class="conversation-stars-inner">★★★★★</div></div> <div class="conversation-value"><p><a href="https://www.discover.com/credit-cards/secured-credit-card/reviews/" data-analytics-label="Ratings and reviews"><span class="product6 avgrating">x</span> out of 5 Average of <span class="product6 totalreviews">x</span> Reviews</a><sup><a aria-label="14" class="disclosure" data-analytics-label="Tooltip:14" data-scrollto="q14" href="javascript:void(0);">14</a></sup></p> <p><a aria-label="See how" class="disclosure" data-analytics-label="SEE HOW ABOUT REVIEWS" data-scrollto="q14" href="javascript:void(0);">See how</a> we calculate our ratings<br /> </p> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="cta button aem-GridColumn aem-GridColumn--default--12"> </div> <div class="cta button aem-GridColumn aem-GridColumn--default--12"> </div> <div class="onecolumntile theme-light-gray-background-gradient light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='secured-benefit-section' class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title--338492978" class="cmp-title__text">How the Discover it<sup>®</sup> Secured credit card works for you</h2> </div> <div class="cmp-title theme-background cmp-alignment--left cmp-title__text-heading2 cmp-dark-blue-font"> <h3 id="title-745998717" class="cmp-title__text">A secured credit card could help you build your credit <span class='no-break'>history<sup><a aria-label="2" class="disclosure" data-analytics-label="undefined" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> to make more things possible tomorrow.</h3> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--variation-three"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-fraud-creditcard-88-88.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">You provide a refundable security deposit when you apply</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>Your credit line will equal your deposit amount, starting at $<span class='no-break'>200.<sup><a aria-label="1" class="disclosure" data-analytics-label="Tooltip:1" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-graph-up-88-88.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Your secured credit card can help you build credit responsibly</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>Smart habits like paying all your bills on time and in full each month can help you build credit with responsible <span class='no-break'>use.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-dollar-fast-88-88.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">You can get your deposit back</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>After 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured' card and get your deposit <span class='no-break'>back.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> <div class="tooltip-content-wrapper test" style="display:none" id="NAFDisclamer-fca28b9b-d33b-4d6d-8eb6-0f162ee9aeab"> <div class="tooltip-content"> <button class="tooltip__close-btn" aria-label="Close"></button> <div class="tooltip-content__fragment"> <b>Annual Fee: None.</b> <b><span class="product6 purchaserateactualapr">x</span>% standard variable purchase APR. Intro Balance Transfer APR</b> is <b><span class="product6 btaprrate">x</span>%</b> for <b><span class="product6 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="product6 btdate">x</span></b> then the standard purchase APR applies. <b>Cash APR: <span class="product6 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than <b>$.50. Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product6 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="product6 btdate">x</span></b> and up to <b><span class="product6 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. </div> </div> </div> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> <div class="cta button"> </div> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/preapproval/initial?icmpgn=ACQ_ORGANIC_SECURED_BENEFITS_PREQUAL" target="_self" data-analytics-label="HOW IT WORKS_SEE IF PRE-APPROVED"> <span class="cmp-button__text"> See if you’re pre-approved <span class="sr-only"> </span> </span> </a> </div> </div> </div> </div> </section> </div> </div> <div class="onecolumntile cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='secured-benefits' class="one-column theme-white-background-gradient border-top-left-radius one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title--188098503" class="cmp-title__text">A secured credit card with real rewards</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left light-theme cf-list--white_card cf-list--orange-eyebrow cf-list--two-color-block cf-list--variation-four-with-box"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--eyebrow "> <div class="cf-list__item-element-value "><span class="cf-list__item-element-number">2</span> <span class="cf-list__item-element-character">%</span> <span class="cf-list__item-text-eyebrow-var">Cash Back</span></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Earn 2% Cashback Bonus<sup>®</sup> at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other <span class='no-break'>purchases.<sup><a aria-label="&dagger;&dagger;" class="disclosure" data-analytics-label="SECURED_REWARDS_CB" data-scrollto="dagger-new" href="javascript:void(0);">&dagger;&dagger;</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--eyebrow "> <div class="cf-list__item-element-value "><span class="cf-list__item-element-number">1</span> <span class="cf-list__item-element-character">%</span> <span class="cf-list__item-text-eyebrow-var">Cash Back</span></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Earn unlimited 1% cash back on all your other purchases.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--eyebrow "> <div class="cf-list__item-element-value "><span class="cf-list__item-element-number">2</span> <span class="cf-list__item-element-character">x</span> <span class="cf-list__item-text-eyebrow-var">Cash Back</span></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll <span class='no-break'>match.<sup><a aria-label="4" class="disclosure" data-analytics-label="Tooltip:4" data-scrollto="q4" href="javascript:void(0);">4</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange cmp-alignment--center large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&ICMPGN=ACQ_SECURED_APPLY_NOW_RATES_BTN&_ga=2.97149535.1103489936.1626713817-180372299.1626462806" target="_self" data-analytics-label="REWARDS_APPLY_MID"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> <div class="contentfragmentblock contentfragmentlist cmp-alignment--center light-theme cf-list--white_card"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--1-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-last cf-list__item--carousel-remainder cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p><b>99% nationwide acceptance </b>— Discover is accepted nationwide by 99% of places that take credit <span class='no-break'>cards.<sup><a aria-label="10" class="disclosure" data-analytics-label="Tooltip:10" data-scrollto="q10" href="javascript:void(0);">10</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> </div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h3 id="title--391154829" class="cmp-title__text">Secured Credit Card FAQs</h3> </div> <div class="one-column__container__parsys parsys-content"> <div class="faqlist"> <div class="faq-list faq-list--gradual-reveal faq-list--separated-items " data-faqs-showing="6" data-faqs-to-reveal="9">  <span itemscope itemtype="http://schema.org/FAQPage"> <div class="faq-list__items"> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq1" id="faq-question-1"> <span itemprop="name">How do I know if Discover is the best secured credit card for me?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq1" role="region" aria-labelledby="faq-question-1" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> If you want to build a credit history,<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup> or looking to rebuild credit with responsible use,<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup> the <span class="no-break">Discover it<sup>®</sup> Secured</span> Credit Card may be right for you. To see if you qualify, Discover reviews your application, credit report, and other information. <br> <br> And while you work on your credit, the <span class="no-break">Discover it<sup>®</sup> Secured</span> Credit Card also provides other industry-leading benefits, like cash back rewards on every purchase, a refundable security deposit, security features like Online Privacy Protection and $0 Fraud Liability Guarantee, and more. </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq2" id="faq-question-2"> <span itemprop="name">What are secured credit cards and how does a Discover it<sup>®</sup> Secured card work?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq2" role="region" aria-labelledby="faq-question-2" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>The Discover it<sup>®</sup> Secured Credit Card helps you build your credit history with responsible <span class='no-break'>use.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> It looks and acts like a traditional credit card except that you provide a refundable security deposit, which will equal your credit line, of at least $<span class='no-break'>200.<sup><a aria-label="1" class="disclosure" data-analytics-label="Tooltip:1" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span> And like a traditional credit card, as you use your credit card, you’ll need to make payments each month and your credit card account use is reported to the three major credit bureaus. So, your on-time payments and responsible use can help build your credit <span class='no-break'>history.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> Discover conducts automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your <span class='no-break'>deposit.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span> These reviews will look for your responsible credit use across all your cards and loans, not just with Discover. <a href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&lfo_id=Normal&mboxPage=product_secured&ICMPGN=ACQ_HNAV_SECURED_APPLY_NOW_BTN">Apply Now</a>.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq3" id="faq-question-3"> <span itemprop="name">What’s the difference between a secured credit card and an unsecured credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq3" role="region" aria-labelledby="faq-question-3" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>A secured credit card requires you to make a deposit equal to the amount of your credit line, while an unsecured credit card requires no deposit.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq4" id="faq-question-4"> <span itemprop="name">What do I need to apply for a secured credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq4" role="region" aria-labelledby="faq-question-4" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. You’ll need to be at least 18 years of age, have a Social Security number, U.S. address and U.S. bank account, and provide all the required information in the online application. Be sure to have your bank routing number and account number handy when you apply. There’s no credit score required to <span class='no-break'>apply<sup><a aria-label="*" class="disclosure" data-analytics-label="faq-no-credit" data-scrollto="no-credit" href="javascript:void(0);">*</a></sup></span> for a Discover it<sup>®</sup>️ Secured Credit Card.</p> <p> </p> <p>If you’re not approved, we’ll provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we couldn’t approve your application.</p> <p> </p> <p>Applications are taken 24X7 on Discover.com. <a aria-label="Apply Now" class="disclosure no-disclosure" data-analytics-label="CC FAQ:Apply Now Middle" href="https://www.discovercard.com/application/website/apply?srcCde=KXPA">Apply Now</a></p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq5" id="faq-question-5"> <span itemprop="name">Can a secured credit card help me build credit or rebuild credit?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq5" role="region" aria-labelledby="faq-question-5" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> Some secured credit cards can help you build or rebuild credit if used responsibly, and if your card issuer reports your credit activity to the major credit bureaus. For example, the Discover it<sup>®</sup> Secured Card can help you build your credit <span class='no-break'>history<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> if you responsibly use your account and pay your other loans on time. Be sure to make at least your minimum monthly payment due on time. It may also help to pay down existing credit card debt and dispute errors on your credit report. <br> <br> How long it takes to get the credit score you want depends on where <span class="no-break">you're starting,</span> and how you use your secured card, other credit accounts, and loans. With the Discover it<sup>®</sup> Secured Credit Card, after 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured' card and get your deposit <span class='no-break'>back.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span> <br> <br> <a href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&lfo_id=Normal&mboxPage=product_secured&ICMPGN=ACQ_HNAV_SECURED_APPLY_NOW_BTN">Apply for a Discover it<sup>®</sup> Secured card</a> today, and if approved begin to build your credit with responsible <span class='no-break'>use.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq6" id="faq-question-6"> <span itemprop="name">What’s the credit limit for a Discover it<sup>®</sup>️ Secured Card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq6" role="region" aria-labelledby="faq-question-6" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Discover determines your credit limit based on the information you provide. Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your <span class='no-break'>deposit.<sup><a aria-label="1" class="disclosure" data-analytics-label="Tooltip:1" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span> If approved, you could have a credit limit up to $2,500.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq7" id="faq-question-7"> <span itemprop="name">Can I get my Discover security deposit refunded?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq7" role="region" aria-labelledby="faq-question-7" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>1. If you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus 10 days.<br> <br> 2. After 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured' card and get your deposit <span class='no-break'>back.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span> These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq8" id="faq-question-8"> <span itemprop="name">Can you get denied for a secured credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq8" role="region" aria-labelledby="faq-question-8" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Yes. Getting a secured credit card isn’t guaranteed. Your application can be turned down.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq9" id="faq-question-9"> <span itemprop="name">What is the APR on secured cards?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq9" role="region" aria-labelledby="faq-question-9" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Your APR—or annual percentage rate—on a secured credit card is a statement of the interest rate as a yearly rate. Let's say you started a new term and charged $500 for books, with an 18% APR. If you made only the minimum payment every month for 12 months, you would owe an extra $42 in interest.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq10" id="faq-question-10"> <span itemprop="name">How much is the security deposit for a Discover it<sup>®</sup>️ Secured credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq10" role="region" aria-labelledby="faq-question-10" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>With Discover, your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your <span class='no-break'>deposit.<sup><a aria-label="1" class="disclosure" data-analytics-label="Tooltip:1" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span> When you're trying to build a credit history, you need a credit limit that lets you easily make regular purchases and pay your bill responsibly.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq11" id="faq-question-11"> <span itemprop="name">Does applying for a secured credit card result in a hard inquiry?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq11" role="region" aria-labelledby="faq-question-11" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Yes, a credit card issuer will typically place a hard inquiry on your credit report when you apply for either secured or unsecured credit cards.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq12" id="faq-question-12"> <span itemprop="name">How do you make a payment on a Discover it<sup>®</sup>️ Secured card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq12" role="region" aria-labelledby="faq-question-12" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Paying your Discover it<sup>®</sup>️ Secured credit card is like paying any regular credit card. Each month, you’ll receive a statement with your minimum payment due by the due date. Pay at least the minimum amount due by the due date to keep your account in good standing.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq13" id="faq-question-13"> <span itemprop="name">Can you increase the limit on a Discover it<sup>®</sup>️ Secured card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq13" role="region" aria-labelledby="faq-question-13" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>No, you can't increase the credit limit on your secured card. However, you can get your deposit back after six consecutive months of on-time payments and maintaining good status on all your credit accounts. If you qualify to get your deposit back, you’ll automatically be considered for a credit line <span class='no-break'>increase.<sup><a aria-label="3" class="disclosure" data-analytics-label="TOOLTIP:4" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span></p> </div> </div> </div> </div> </span> </div> <div class="cmp-button--cta cmp-button--cta--transparent-dark"> <button class="cmp-button faq-see-more"> <span class="cmp-button__text">Read more Secured Credit Card FAQs</span> </button> </div> </div> </div> </div> </section> </div> </div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left theme-white-background-gradient light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent cmp-no-underline "> <h2 id="title--1636605858" class="cmp-title__text"><a aria-label="No annual fee" class="disclosure no-disclosure tooltip-disclosure" data-analytics-label="No Annual Fee " data-disclosure="naf-7017f4e4-1ed2-4ace-b829-d5864a2daa8b" href="javascript:void(0);">No annual fee</a></h2> <div class="tooltip-content-wrapper test" style="display:none" id="naf-7017f4e4-1ed2-4ace-b829-d5864a2daa8b"> <div class="tooltip-content"> <button class="tooltip__close-btn" aria-label="Close"></button> <div class="tooltip-content__fragment"> <b>Annual Fee: None.</b> <b><span class="product6 purchaserateactualapr">x</span>% standard variable purchase APR. Intro Balance Transfer APR</b> is <b><span class="product6 btaprrate">x</span>%</b> for <b><span class="product6 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="product6 btdate">x</span></b> then the standard purchase APR applies. <b>Cash APR: <span class="product6 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than <b>$.50. Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product6 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="product6 btdate">x</span></b> and up to <b><span class="product6 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. </div> </div> </div> </div> <div class="cmp-text "> <p><b><span class="product6 purchaserateactualapr">x</span>%</b> Standard Variable Purchase APR<sup><a class="newframe cmp-button cmp-button--external" style="top: -5.0px; font-size: 14.0px; text-decoration: none;" data-analytics-label="single-dager" data-external="true" href="https://www.discovercard.com/application/website/ratesrewards?srcCde=KXPA">†</a></sup> applies.</p> </div> <div class="one-column__container__parsys parsys-content"> <div class="cta button"> <div class="cmp-button--text-link "> <a class="cmp-button cmp-button--external" href="https://www.discovercard.com/application/website/ratesrewards?srcCde=KXPA" data-analytics-label="NAF:Link:See Rates Rewards and Other Info" data-external="true"> <span class="cmp-button__text"> <sup>†</sup>See rates, rewards, fees, and other cost <span class="no-break">information<i> > </i></span> <span class="sr-only"> , Opens new window </span> </span> </a> </div> </div> </div> <div class="one-column__cta-container"> <div class="cmp-button--cta cmp-button--cta--opaque-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=KXPA&ICMPGN=ACQ_SECURED_APPLY_NOW_BOTTOM_BTN" target="_self" data-analytics-label="NO_ANNUAL_FEE_APPLY_NOW"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </section> </div> </div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-50 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--1584622726" class="cmp-title__text">Compare our secured credit card</h2> </div> <div class="cmp-title theme-background cmp-title__text-heading "> <h3 id="title--1132390871" class="cmp-title__text">Make the right call to build your credit <span class='no-break'>history<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></h3> </div> <div class="one-column__container__parsys parsys-content"> </div> <div class="one-column__cta-container"> <div class="cmp-button--text-link "> <a class="cmp-button " href="https://www.discover.com/credit-cards/compare/secured.html" target="_self" data-analytics-label="SEE FULL COMPARE CHART"> <span class="cmp-button__text"> See Full Compare Chart <span class="no-break">><i> > </i></span> <span class="sr-only"> </span> </span> </a> </div> </div> </div> </section> </div> </div> <div class="onecolumntile cmp-alignment--left theme-white-background-gradient light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--320496578" class="cmp-title__text">How to get a secured credit card and build credit with responsible <span class='no-break'>use<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></h2> </div> <div class="cmp-text "> <p><span class="cmp-text--body-1">When you're just starting out and you have no credit history at all, you need to find the right credit card that can help prepare you for the future. On-time payments can help put you on the right financial path. It's important to show a good credit score in case you want to rent an apartment, finance a car loan, get hired by employers who review credit reports, or use a mortgage to buy a house.</span></p> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left light-theme cf-list--white_card cf-list--variation-three"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Check your credit score </div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Discover shows your FICO<sup>®</sup> Credit <span class='no-break'>Score<sup><a aria-label="9" class="disclosure" data-analytics-label="Tooltip:9" data-scrollto="q9" href="javascript:void(0);">9</a></sup></span> for free, so you can track it. Seeing how your credit score is affected by your credit actions can help you improve your credit knowledge.</p> </div> </div> </div> </div> <div class="cf-list__item "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Apply for the Discover it<sup>®</sup> Secured Card</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>With the Discover it<sup>®</sup> Secured Credit Card, you provide a refundable security deposit to back your credit line. You still make monthly payments, and can build credit with responsible <span class='no-break'>use.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Pay credit bills on time</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>The Discover it<sup>®</sup> Secured Card can help you build credit with responsible <span class='no-break'>use<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span>, like making your payments on time and in full each month. Payment history is reported to the credit bureaus.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Keep your balances low</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Another part of responsible credit card use is to keep your balances low to improve your credit utilization ratio–using less of your available credit is viewed by credit bureaus more favorably.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Get your deposit back</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>After 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured' card and get your deposit <span class='no-break'>back.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-top-left " data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-discover-glow_top-left-274-274.svg"/> </div> </div> <div class="onecolumntile cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--1521854803" class="cmp-title__text">Discover service and security features</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--icon cf-list-3-icons"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-online-privacy-82-73.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Online Privacy Protection.</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover <span class='no-break'>app.<sup><a aria-label="15" class="disclosure" data-analytics-label="Tooltip:15" data-scrollto="q15" href="javascript:void(0);">15</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-device-mobile-alert-40-40.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Free Social Security number alerts</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value ">Get an alert if we find your Social Security Number on any of thousands of Dark Web <span class="no-break">sites. <sup><a aria-label="7" class="disclosure" data-analytics-label="SSN_ALERTS" data-scrollto="q7" href="javascript:void(0);">7</a></sup></span> Activate for free.</div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-lock-40-40.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Turn your account on/off with Freeze <span class="no-break">it<sup>®</sup></span></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value ">If you misplace your card, you can prevent new purchases, cash advances, and balance transfers in seconds with the Freeze <span class="no-break">it<sup>®</sup></span> on/off switch on our mobile app and <span class='no-break'>website.<sup><a aria-label="8" class="disclosure" data-analytics-label="FREEZE_IT" data-scrollto="q8" href="javascript:void(0);">8</a></sup></span></div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-first "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cash-chrome-search-40-40.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value "> $0 Fraud Liability Guarantee</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>You're never responsible for unauthorized purchases on your Discover <span class='no-break'>Card.<sup><a aria-label="13" class="disclosure" data-analytics-label="Tooltip:13" data-scrollto="q13" href="javascript:void(0);">13</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cash-chrome-service-phone-40-40.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">100% U.S. Based Customer Service</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>You can talk to a real person from our customer service team any <span class='no-break'>time.<sup><a aria-label="16" class="disclosure" data-analytics-label="Tooltip:16" data-scrollto="q16" href="javascript:void(0);">16</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cash-chrome-fico-40-40.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">View your FICO<sup>®</sup> Credit Score for free</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>Viewing your Credit Scorecard will never impact your FICO<sup>®</sup> <span class='no-break'>Score.<sup><a aria-label="9" class="disclosure" data-analytics-label="Tooltip:9" data-scrollto="q9" href="javascript:void(0);">9</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div 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Learn what secured cards are and how one can help you build your credit <span class='no-break'>history<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span> and get back on track.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading"><a aria-label="How to Use a Secured Credit Card >" class="disclosure no-disclosure" data-analytics-label="CRC:HOW TO USE A SECURED CREDIT CARD " href="https://www.discover.com/credit-cards/card-smarts/tips-for-using-a-secured-credit-card/">How to Use a Secured Credit Card ></a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p> </p> <p>Use these tips on how to use your secured credit card.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-first "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading"><a aria-label="What is a Secured vs. Unsecured Credit Card?" class="disclosure no-disclosure" data-analytics-label="CRC:SECURED vs. UNSECURED CREDIT CARD" href="https://www.discover.com/credit-cards/card-smarts/secured-vs-unsecured-credit-card/">What is a Secured vs. Unsecured Credit Card?</a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p> </p> <p>Learn what makes a secured credit card different than an unsecured credit card, including which card requires a deposit and how you can qualify for each.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading"><a aria-label="Secured Credit Card Myths and Realities" class="disclosure no-disclosure" data-analytics-label="CRC:SECURED CREDIT CARD MYTHS AND REALITIES | DISCOVER" href="https://www.discover.com/credit-cards/card-smarts/secured-credit-card-myths-and-realities/">Secured Credit Card Myths and Realities</a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p> </p> <p>Worried about not getting your security deposit back? 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