Discover it Secured
No annual fee, earning Cash, on the Discover network.
Card terms last verified against issuer pages on 2026-09-20.
The Discover it Secured is a no annual fee card from Discover earning Cash. It earns 2x on gas, 2x on dining and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Discover advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gas | 2x | |
| Dining | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Free FICO Credit ScoreFree access to your FICO credit score for cardmembers. Viewing your Credit Scorecard will never impact your FICO Score. You can check as often as you like and check back every 30 days to see a refreshed score. | Once a year | — |
| Free Social Security Number AlertsGet an alert if we find your Social Security Number on any of thousands of Dark Web sites. Activate for free. The Alerts currently provide daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. | Once a year | — |
| Freeze it FeatureTurn your account on/off with Freeze it. If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it on/off switch on our mobile app and website. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. | Once a year | — |
| Online Privacy ProtectionWe will help you regularly remove your personal info from select people-search websites that could sell your data. It is free, activate with the Discover app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. | Once a year | — |
| Cashback MatchDiscover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it Secured card. So if you earn $50 cash back, we will give you another $50. There is no limit to how much we will match. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- $0 Fraud Liability Guarantee — You are never responsible for unauthorized purchases on your Discover Card. An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges.
Questions people ask about the Discover it Secured
What is the annual fee on the Discover it Secured?
The Discover it Secured has no annual fee.
What does the Discover it Secured earn?
2x on gas, 2x on dining, 1x on other, and 1x on everything else, in Cash.
Does the Discover it Secured charge foreign transaction fees?
No — the Discover it Secured has no foreign transaction fee.
