What's the Discover it Secured application phone number?
6
UpvotesReply
Hugh Price
Discover it Secured card applications must be completed online.
There's no way to submit a Discover it Secured application by phone.
Discover it® Secured Credit Card
Discover it® Secured Credit Card
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Sponsored CardRates & Fees
APRRewards2,895Reviews103Q&AContact
APRRewardsWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Limited History, Bad Credit
Minimum Security Deposit
$200
Fees
One-Time Fees$0
Annual Fee$0
Monthly Fee$0
APR on Purchases
27.24% Variable
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
WalletHub Review
by John Kiernan
February 3rd, 2023
Discover it Secured Credit Card Pros & Cons
No annual or monthly fees & No fees for account opening
Up to 2% cash back
First-year rewards doubled
Relatively low minimum deposit
High regular APR
Discover it Secured Credit Card's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| cash advance APR | 29.24% Variable |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-signature |
| max late fee | $41 |
| max overlimit fee | See Terms |
| max penalty APR | None |
No credit score required to apply.
No Annual Fee, earn cash back, and build your credit history.
Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Click "Apply Now" to see terms and conditions.
Discover it Secured Credit Card FAQ
Can't find what you are looking for? Submit your question about Discover it® Secured Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Does the Discover it secured report as secured or unsecured?
5
UpvotesReply
Sam Freeman
The Discover it Secured card will just report as a credit card. There's no difference in how secured cards and unsecured cards look on your credit report. Secured cards act the exactly same way as unsecured ones, with payment history, credit length, utilization, etc.
The only difference is the...
What's the Discover it Secured Card income requirement?
5
UpvotesReply
Jake Clark
The Discover it Secured Credit Card's income requirement is a minimum of $10,000 annually unless you're a college student. For students, there's usually no proof of income required in order to be approved for the card. Besides your income, the issuer will also consider your credit score and debts...
Can I get approved for the Discover Secured card if I have a bankruptcy on my file?
4
UpvotesReply
Brandon Hollis
Yes, my brother got this card about five months after he discharged his bankruptcy .
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Is the Discover it Secured Credit Card metal?
3
UpvotesReply
Evelyn Boros
The Discover it® Secured Credit Card is made out of plastic and not metal, like most other credit cards. There's no functional difference between a plastic card like the Discover it Secured Credit Card and a metal credit card, though, so don't dismiss the Discover it Secured Credit Card just...
How can I rent a car with my Discover it Secured card?
3
UpvotesReply
Saul Allen
You can rent a car with your Discover it Secured card as you would with any other credit card, if you have enough available credit for the hold that the rental agency will put on it.
Since your credit limit is equal to your refundable security deposit, your spending...
How does the Discover it Secured rental car insurance work?
3
UpvotesReply
Gerald Jimenez
The Discover it Secured credit card doesn't offer rental car insurance. In fact, none of the Discover cards do, as they once did.
Here are some suggestions for credit cards offering rental car insurance:
How can I use my Discover it Secured card outside the U.S.?
3
UpvotesReply
Lynn Baumgartner
You can use your Discover it Secured card outside the U.S. for purchases or cash advances. However, cash advances are extremely expensive so do your best to avoid them.
It's important to know that your Discover it Secured won't be accepted anywhere, but it will work in many countries...
Do the discover secured credit card do a soft or hard pull
3
UpvotesReply
Can I get a Discover it Secured limit increase every month?
3
UpvotesReply
Charles Cornett
You can get a Discover it Secured limit increase every month, in theory.
You can apply to increase your credit line, which would have to be secured by adding to your security deposit, by calling Discover's customer service at 1-800-347-3085. Your account must be open for 31 days to be...
Compare The Discover it Secured Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APR10.99% for 6 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR27.24% Variable
Regular APR29.74% (V)
Regular APR29.74% (V)
Rewards Rate1 - 2% Cash Back
Rewards RateNone
Rewards RateNone
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Discover it Secured Credit Card Reviews
Share your insights and review the Discover it® Secured Credit Card
3.7
2,895 reviews
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5 Star Rating
Verified CustomerIt’s a great starter card. Easy approval. Deposit accepted quickly. Ships out quick. Some minor rewards which are rare for a starter card. Now let’s see what they say when I have completed 8 months.
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1 Star Rating
I would give this company zero stars if I could. I made a purchase of $1,128.30, but then the amount was credited back as $1,098.30 (minus a cancelation fee) from the retailer to Discover. The credit has never been applied to my account even though the credit was processed 51 days ago. I have called numerous times for over a month and have been given the run around from Discover Card. They have either told me they were researching it and someone would call me back, but then I would never get a call back and would have to start all over. Or I would be passed around to several associates until someone would finally tell me they could not help me. I have received proof from the vendor that the amount was returned, but still have not received the funds credited to my account, not to mention Discover is continuing to charge me interest on the purchase. After dealing with 25 associates for over a month, I found that while most of them were polite/pleasant, none of them were actually helpful. Also, a couple of them were extremely rude. I would never recommend this card to anyone.
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its called filing a compliant to the federal trade commsion and to anything that will help with this
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5 Star Rating
Verified CustomerI love my card. I started with a secured card of only $200. I made sure I made all my payments on time or before. After 12 months I went unsecured with a limit of $1000. My credit score went from 530 to now 635.
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Thanks someone claim you need a credit score of 700+ to qualified for a Discover it secured credit card, I almost near 700 thou
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@calvinbridges18 mine is at 535 and I got approved instantly
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4 Star Rating
Verified CustomerIncreased and promoted to unsecured card within 6 months. I like this much better than capital one.... get this card if you're building
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5 Star Rating
They gave me an opportunity when others didn’t, thank you so much this is why I promote Capital One to everyone I know, my immediate family all have one.
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Umm, this is a review for Discover, but capital one.
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5 Star Rating
Verified CustomerAwesome card!!!! My credit was 585 and I applied for a secured card and put 800 dollars on it. They send me the card and one day after I activate my score went up to 60 points !!!! I love this card!!!! Now I’ll be using just 10-15% so my credit gets better faster!!! Sorry for my English writing hahaha I hope you understand :-/ :-))
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@edwardparker533 Can you please stop ? thanks ?
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5 Star Rating
Verified CustomerReally nice customer service and quality card services. I was able to increase my credit after about 6 months and I went from a $400 limit to a $1500 dollar limit.
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5 Star Rating
Great rewards,no annual fee switch from secured to unsecured by my 8th month with a credit increase and returned my deposit back, pretty great credit card to have.
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5 Star Rating
Verified CustomerGreat starter card for someone who had no credit history. Also, i quickly received my security deposit after only a few months of having the card open.
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5 Star Rating
Verified CustomerAfter a year, discover upgraded my secured card to unsecured, returned my deposit, and increased my limit from 500 to 1,000. They delivered on their promise because I was able to responsibly use the card.
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Expert Thoughts on Discover it Secured Credit Card
To help people learn more about the Discover it Secured Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- Why do you think it’s uncommon for credit cards for people with bad credit to offer good rewards?
- What should people look for in a credit card if building credit is their main objective?
- What do you think is the biggest misconception that people have about secured credit cards?
- Does it ever make sense to carry a balance from month to month on a secured credit card like Discover it Secured Credit Card?
Josiah R. Baker
Ph.D., Nimocks Professor of International Business, Professor of Economics & Finance, Reeves School of Business & Economics, Methodist University
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Ph.D., Nimocks Professor of International Business, Professor of Economics & Finance, Reeves School of Business & Economics, Methodist University
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Bradley Stevenson
Associate Professor of Finance, Bellarmine University
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Associate Professor of Finance, Bellarmine University
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Pablo Guerron
Professor, Boston College - Robert J. Morrissey College of Arts and Sciences
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Professor, Boston College - Robert J. Morrissey College of Arts and Sciences
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Clifford Rossi
Professor-of-the-Practice, Finance Department, Robert H. Smith School of Business, University of Maryland
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Professor-of-the-Practice, Finance Department, Robert H. Smith School of Business, University of Maryland
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Vicki L. Baker
MBA, MS, PhD, Professor, Economics & Management, Director, Albion College, Community Collaborative (AC3), Co-Founder, Lead Mentor Develop
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MBA, MS, PhD, Professor, Economics & Management, Director, Albion College, Community Collaborative (AC3), Co-Founder, Lead Mentor Develop
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Offer last updated: Feb 3rd, 2023 at 11:11 ET