Discover It Secured Review 2026
It Secured is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Everyday rewards
1% cash back
Up to 2% in some categories
Annual fee
$0
APR
See terms
Quick summary
What this card is, in plain words
It Secured has no annual fee. It earns 1% cash back on everything else, and more on 2 categories (the highest is 2% cash back on gas).
Pros & cons
- No annual fee
We could not verify: regular APR.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- 5% at a promotional APR; none at transfer APR
- Cash advance fee
- Greater of $5 or 5% of each advance
- Late payment fee
- None first time, then up to $41
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Gas
2% cash back
Dining
2% cash back
Everything else
1% cash back
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Card Lock
Perks and credits
- 1% Cash Back on All Other Purchases
- 5% Cash Back on Rotating Quarterly Categories (quarterly)
- Free FICO Score
- Real Human Customer Service 24/7
- Tap to Pay
- Unlimited Cash Back Match (one time)
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (Jun 21, 2026). Tracked since Jun 21, 2026 across 29 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
See issuer terms
Verify spend requirement
Discover terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the It Secured?
The It Secured has no annual fee, according to Discover's page checked Nov 14, 2026.
How do I earn rewards with the It Secured?
2% cash back on gas; 2% cash back on dining; 1% cash back on everything else.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://www.discover.com/credit-cards/secured-credit-card/ · checked Nov 14, 2026
Earning rates
https://www.discover.com/credit-cards/ · checked Jun 21, 2026
We could not verify the foreign transaction fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is It Secured worth it?
It Secured is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term