Apply guide
How to apply for the Discover it® Secured
- No annual fee
- Deposit from $200 — refundable
- Reports to all 3 bureaus — payments build your file
Applications paused. Discover closed this card to new applicants in June 2026. Best active alternative: Capital One Quicksilver Secured.
You will be redirected to another website.
The 4 steps
1. Check pre-qualification (soft pull, no score impact)~2 min
2. Fund your refundable deposit~5 min
3. Get your approval decisionoften instant
4. Turn on autopay, keep utilization under 30%ongoing
Not sure yet? Take the 60-second quiz →
Before you go
Does checking or applying hurt my credit score?
Pre-qualification is a soft check. Applying triggers a hard inquiry, but Discover evaluates secured applications with rebuilding applicants in mind rather than score-minimums.
What credit score do I need?
No published minimum. This card accepts limited, fair, and rebuilding credit — the deposit and income matter most.
How long does it take to build credit with this card?
Reporting begins with the first cycle; many see score movement in 3–6 months. Graduation reviews start at 7 months and continue periodically.