Min. deposit
$200
Refundable
Regular purchase APR
27.49% Variable APR * Rates as of December 12, 2024.
Annual fee
$0
Rewards rate
1% - 2%
Cash back

Additional rates & fees

Annual fee: $0

Intro purchase APR: N/A

Regular purchase APR: 27.49% Variable APR * Rates as of December 12, 2024.

Intro balance transfer APR: 10.99% Intro APR for 6 Months

Regular balance transfer APR: 27.49% Variable APR * Rates as of December 12, 2024.

Cash advance APR: 29.49% Variable APR * Rates as of December 12, 2024.

Cash advance fee: See Terms*

Late fee: None the first time you pay late. After that, up to $41.

Penalty APR: See Terms*

Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Foreign transaction fee: None

Return payment fee: Up to $30.

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

No credit score required to apply. No Annual Fee.
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 deposit.
Raise your credit score by 30+ points.
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, automatically. Plus earn unlimited 1% cash back on all other purchases.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.

See offer and benefit terms

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