Discover it® Secured

The Discover it® Secured is built for people who are rebuilding credit and want a low-cost card they can actually keep using after the credit-building phase. It works best as an everyday starter card for small regular purchases, on-time payments, and responsible use rather than for maximizing rewards or premium perks.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Credit rebuilding

How to Apply Estimate your value

All information about Discover it® Secured has been collected independently by MaxRewards. Discover it® Secured is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Discover it® Secured worth it?

This card is great for...

Building payment history

Everyday starter spending

No annual fee setup

Yes, if your main goal is rebuilding credit without paying an annual fee. The Discover it® Secured gives you a simple way to establish positive history, keep utilization low, and earn a little cash back on purchases along the way, which is more than many secured cards offer.

It is not a card to choose for big rewards or long-term value from benefits. The flat 1% back is modest, and the listed travel-related protections do not really line up with what most secured-card shoppers need. If you want a practical card to use carefully while improving your credit, this is a solid fit. If your credit is already in better shape, you will likely outgrow it quickly and can find stronger rewards elsewhere.

MaxRewards Verdict

This card makes the most sense for someone focused on rebuilding credit with a $0 annual fee and simple everyday use. Its value comes from accessibility and credit-building, not from rewards depth or standout perks.

Earning

Rewards

Rewards are straightforward here: you earn cash back, not points, and the card is really about steady everyday use rather than category optimization. Think of the 1% return as a small extra while you focus on building strong credit habits.

CategoryRate

Dining

Jul 1 – Sep 30 · Up to $1,000 in spend

Everywhere

Benefits

More Benefits

Price drop protection

We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.

Price match guarantee

If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.

Eligibility

Recommended Minimum Credit

Min: Poor

Poor

Fair

Good

Excellent

Poor credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing