Rated 5/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
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Rated 5/5 stars by our editorial team
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Your Rating:
0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Regular Purchase APR
27.24% Variable APR
Intro Purchase APR
N/A
Intro BT APR
10.99% Intro APR for 6 months
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
Foreign Transaction Fee
None
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Cash Advance Fee
see terms
$0 Fraud Liability
Yes
Auto Rental Insurance
No
Extended Warranty Program
No
Roadside Assistance
No
Purchase Protection
No
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
Concierge Service
No
Regular APR
4.0
Intro APR
3.0
Fees
5.0
Benefits
5.0
Overall Rating
5.0 /5
The Discover it® Secured Credit Card is an excellent option for consumers who are trying to build credit for the first time or rebuild their credit. Since secured cards are typically only used by consumers who are considered high risk, they usually come with high fees and no rewards. But that’s not the case with this card - in fact, this new product comes with some incredible features that you won’t find on any other secured credit card!
First off, the Discover it® Secured Credit Card comes with no annual fee, no late fee on your first late payment (up to $41 after that), and no increase to your APR for paying late. These features are extremely helpful for consumers who are just getting used to using a credit card for the first time.
Perhaps the coolest feature of this secured card is that it offers cash back rewards with all of your purchases. This is extremely rare among cards for people with low credit scores, and the rewards rate is actually quite generous. Cardholders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. When you bundle all of these great perks with the award-winning customer service that accompanies all Discover cards, you have a winning combination for consumers looking to build their credit.
This is really a top of the line secured credit card when you consider all of the features and perks. The Discover it® Secured Credit Card comes with all the tools you need to start building credit, and you get to earn cash back along the way.
Earning cash back with a secured credit card is an incredible perk that you’ll be hard-pressed to find anywhere else.
Since it’s a Discover card, it might not be accepted at every single retailer you visit.
Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.
Regular APR
4.0
Intro APR
3.0
Fees
5.0
Benefits
5.0
Overall Rating
5.0 /5
+-3 users submitted a rating without a full review
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By: Linda | May 9, 2016
The only secured card I've seen that lets you get cash back. Usually you need muhc better credit than mine to get cash back!
By: Larry | Apr 6, 2016
It is a good card to get u where u want your credit score at.
By: caleb | Apr 6, 2016
looks like a good start plan for credit applicants
on Capital One's secure site
Featured
Rated 4/5 stars by our editorial team
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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!
Reports to Credit Bureaus
Build Credit When Used Responsibly
Minimum Deposit
$49, $99, or $200
Regular Purchase APR
29.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Platinum Secured Credit Card
on Capital One's secure site
Rated 4.5/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Credit Line
Put down a refundable $200 security deposit to get a $200 initial credit line.
Regular Purchase APR
29.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
on OpenSky's secure site
Rated 3.5/5 stars by our editorial team
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Your Rating:
0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Purchase APR
21.64% (variable)
Build Credit
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
Credit Line
$200 - $3,000 Credit Line*
Typical Credit Needed
Annual Fee
$35
Card Brand
Visa®
See additional details for OpenSky® Secured Visa® Credit Card
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Between 550 - 659
Credit cards for fair credit are intended for those with a credit score between 550 - 659.
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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