Discover it Secured

Discover it Secured card art

Discover · Credit card · Building credit

3.5 Debt Sunset rating vs. other building credit cards

A secured card that earns real cash back, with deposits from $49.

Rates, fees and offers

Regular APR
Variable APR; see Discover's rates and terms.
Annual fee
$0
Promo offers
None currently advertised
Balance transfer fee
Balance transfer fee applies; see Discover terms
Rewards
5% cash back in quarterly categories you activate; 1% everything else. Refundable deposit from $49; no credit score required to apply.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Pay on time and keep the balance low. Many secured cards review you for an upgrade and a deposit refund after several months.

Paying and contacting Discover

Customer service
1-800-347-2683 · 24/7
Pay by mail
Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
General inquiries:
Capital One
P.O. Box 71083
Charlotte, NC 28272-1083

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