Credit card review
Discover it Secured Credit Card Review
DiscoverDiscoverSecuredNo annual fee
Discover it Secured Credit Card earned 4.5 / 5 in our 2026 review. The Discover it Secured Credit Card earns 2% on gas with no annual fee, a Unlimited Cashback Match for first year welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-28
TL;DR
Annual fee
$0
Signup bonus
Yes
Top reward rate
2% on gas
Intro APR
None
Issuer
Discover
Network
Discover
Min credit score
300
Fintiex rating
4.5 / 5
Pros
- +Cashback Match - Discover doubles all cash back earned in first year
- +2% at gas stations and restaurants on up to $1,000 in combined quarterly purchases
- +No annual fee
- +No foreign transaction fees
- +Discover automatically reviews account for upgrade to unsecured card after 7 months
- +Free FICO credit score monitoring
- +No penalty APR for late payments
Cons
- -Requires a refundable security deposit ($200 minimum) equal to your credit limit
- -High ongoing APR once intro period ends
- -2% rewards cap at $1,000 per quarter for gas and restaurants
- -Discover accepted less widely than Visa or Mastercard internationally
Rewards detail
gas
2%
restaurants
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
28.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
28.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Discover it Secured Credit Card is built for people who want a secured or no annual fee card. Most approvals land at FICO 300 and above, but issuers prefer scores near 580. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best secured cards roundup.
Compare with similar cards
Frequently asked questions
Does the Discover it Secured Credit Card have a foreign transaction fee?
No. The Discover it Secured Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Discover it Secured Credit Card?
Approvals typically start around a FICO score of 300, but Discover prefers 580 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Discover it Secured Credit Card signup bonus?
The Discover it Secured Credit Card offers Unlimited Cashback Match for first year. Activation rules vary by issuer, so read the terms before you apply.
Does the Discover it Secured Credit Card have a 0% intro APR offer?
No. The Discover it Secured Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 28.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Discover it Secured Credit Card?
$0. The Discover it Secured Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Discover it Secured Credit Card worth it?
Fintiex rates the Discover it Secured Credit Card 4.5 out of 5 for 2026. It is best for secured and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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