Discover
discover.com › credit-cards › secured-credit-card
Discover Secured Credit Card | Build Your Credit History
Your secured credit card requires ... be provided when submitting your deposit.1 If approved, you could have a credit limit up to $2,500....
WalletHub
wallethub.com › d › discover-it-secured-credit-card-2289c
Discover it Secured Card Reviews for 2026 | WalletHub
Discover it® Secured Credit Card
With that in mind, you can read Discover it Secured Credit Card reviews from the WalletHub community, below. In general, user reports paint a positive picture, with mostly four-star and five-star ratings. Secured cards can afford to offer relatively attractive terms because they require you to place a refundable security deposit, the amount of which generally serves as your spending limit... Reviews, rates, fees, and rewards details for The Discover it® Secured Credit Card. Compare to other cards and apply online in seconds
Videos
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BEST Way to Build Credit | Discover IT Secured | The BEST Secured ...
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Discover
discover.com › card smarts › getting a credit card › what is a secured credit card?
What is a Secured Credit Card? | Discover
The card’s credit limit usually equals that deposit amount. A card issuer may approve you for up to a $1,000 credit limit, for example. If you provide a $500 deposit, the credit limit on that card will equal $500, not the full $1,000.
Published June 6, 2025
Reddit
reddit.com › r/credit › discover raised limit to $1,500 after 6 months secured, retuned deposit.
r/CRedit on Reddit: Discover raised limit to $1,500 after 6 months secured, retuned deposit.
January 6, 2021 -
Credit scores July 2020.
Experian 550.
TransUnion 530.
Equifax 530
Feb 2021
Experian 719 TransUnion 684 Equifax 684
Opened my first secured card (discover)in July 2020 for $200. Opened Capital one secured for $250 soon after that. I got a Self loan for $500 that’s about half way paid off. Credit jumped 30 points this week because The Self loan went past 6 months of on time payments. I paid off an old ATT Direct TV bill, and a couple old medical bills that were in collections. Beyond that, I have nothing else on my credit. I hoped to be near 750 on all 3 bureaus, but I opened a student loan and that dropped my score 30 points. There’s hope out there people ! Just try ! I never thought I would have good credit and here I am getting credit line increases without even asking. It feels wonderful ! Good luck !
Top answer 1 of 5
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Omg this gives me so much hope! I'm where you started
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It absolutely can be done. I had a credit score in the 700's and went through a BK that dropped it into the 500's. I got a car loan at an abysmal interest rate (12%), and a secured card with Capital One for $250 to start rebuilding. 9 years later, I have $65,000 in lines of credit that I pay off every month (I use about 3% of that between my husband and myself each month rather than use the debit card so we can earn points/free $$), a car note at 0% interest, and a credit score of 788. The BK drops off later this year, so the credit score should pop up even more. There are definitely ways to come back from the worst case scenario, and you clearly did just that. Great job of getting yourself into a much improved situation. I know you must be so happy!
Forbes Advisor
forbes.com › advisor › credit-cards › reviews › discover-it-secured-credit-card
Discover it® Secured Credit Card Review 2025
Discover it® Secured Credit Card
With responsible credit behavior, the Discover it® Secured Credit Card can help you build credit. If approved, cardholders make a minimum security deposit of $200 up to a maximum of $2,500. In most cases, your credit limit will equal the amount of your deposit. The Discover it® Secured Credit Card stands tall among secured cards. Few secured cards offer a welcome bonus or the opportunity to earn rewards comparable to several of Discover’s unsecured alternatives. With no annual fee and access to your FICO® Score, the Discover it® Secured Credit Card can be an incredible tool to help you build c
Credit Karma
creditkarma.com › credit cards › insights › discover it® secured credit card review: a strong card for building credit
Discover it Secured Credit Card Review: A Strong Card for Building Credit | Intuit Credit Karma
Discover it® Secured Credit Card review: A strong card for building credit
Like all secured credit cards, the Discover it® Secured Credit Card requires a refundable security deposit to open your account. The amount of your security deposit sets your credit limit, and the minimum deposit is $200.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › best credit cards › discover’s secured card review: earn rewards as you build credit
Discover it Secured Review: Earn Rewards as You Build Credit - NerdWallet
Discover it® Secured Credit Card
Discover notes that there's no ... for the Discover it® Secured Credit Card, although you can still expect a credit check when you apply. » MORE: Explore the best credit cards with no credit check · Card type: Secured. Annual fee: $0. Security deposit: A minimum of $200. This amount determines your credit limit... If you have bad credit or no credit, the Discover it Secured credit card can offer a path to establish good credit.
Reddit
reddit.com › r/credit › discover it secured card
r/CRedit on Reddit: Discover it secured card
September 22, 2023 -
Credit is currently 541 due to a lot of late payments and cards being cancelled. I’m now at a point where I’ve settled or paid off most the debt and want to rebuild my credit. They offered me a secured card between $200-2500. The 2500 is very appealing as far as it would make my score jump. It’s my understanding after about seven months of on time payments they mail your deposit back to you and up your credit limit. Anyone have experience with this card? What’d you put as your deposit, and would you recommend starting with a $2500? My mom thinks it’s risky giving them my money like that but as far as I can tell it seems legit. But the card does have mixed reviews on credit karma
Top answer 1 of 5
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$200 deposit, unsecured in 7 months to $1800. About a year later increased to $2800
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I cannot recommend this card or Discover highly enough. They do send you a check for your deposit without asking if you have made all your payments on time. After 4 years of on time payments my limit is up to $9,000. Stellar customer service. Try that with a crappy Capital One card.
Discover
discover.com › credit-cards
Apply for a Credit Card Online from Discover
As you show responsible credit use, credit card issuers may increase your credit card limit. Each Discover Card has its own credit score requirements. For example, the Discover it® Card is usually a good fit for people with established credit. But the Discover it® Secured Credit Card is designed ...
Address 2500 Lake Cook Road, 60015, Riverwoods
Consumer Financial Protection Bureau
consumerfinance.gov › consumer-tools › credit-cards › explore-cards › cards › discover-bank-discover-it-secured-credit-card
Discover It® Secured Credit Card
Every six months, the CFPB collects and makes public data on credit cards from over 150 issuers to promote competition and transparency in the credit card market.
Discover
discover.com › card smarts › getting a credit card › can i build my credit history with the discover it® secured credit card?
Can I Build My Credit History with the Discover it® Secured Credit Card?
February 20, 2025 - Getting a credit card Can I Build My Credit History with the Discover it® Secured Credit Card? contents ... A secured credit card can help those who want to build or rebuild their credit history. When you open a secured credit card, you need to send the credit card company a refundable security deposit. In general, your deposit will determine your card’s credit limit.
Bankrate
bankrate.com › credit cards › reviews › discover it secured card
Discover it® Secured Credit Card Review - Bankrate.com
November 30, 2022 - With a maximum deposit limit that high, you have the ability to start with a rather large credit limit, especially when compared to some secured cards, which may only allow you to put down up to $500 to $1,000 as an initial deposit. The Discover it® Secured Credit Card has remarkably few fees ...
WalletHub
wallethub.com › popular credit card questions
What Is the Highest Credit Limit on a Discover Card?
November 12, 2025 - Editorial and user-generated content is not provided, reviewed or endorsed by any company. Your credit limit for the Discover it® Secured Credit Card will be $200 to $2,500, depending on the amount that you deposit.
Discover
discover.com › card smarts › getting a credit card › what is a good credit limit?
What is a Good Credit Limit? | Discover
January 15, 2024 - A secured credit card requires a deposit as collateral for your credit limit. For example, with a Discover it Secured card your credit line will equal your deposit amount, starting at $200.1
WalletHub
wallethub.com › popular credit card questions
What is the minimum credit limit for Discover Card?
November 12, 2025 - ... You are guaranteed a... read full answer by Sandra Hardy, Member · Your credit limit for the Discover it® Secured Credit Card will be $200 to $2,500, depending on the amount that you deposit.
CNET
cnet.com › money › credit cards › discover it secured credit card: credit builder with great cash-back rewards
Discover it Secured Credit Card: Credit Builder With Great Cash-Back Rewards - CNET
June 3, 2024 - Anyone with poor credit or no credit at all, including students and young adults, should consider the Discover it® Secured Credit Card if they’re ready to handle a credit card responsibly. ... Discover has a credit limit range of $200 to $2,500, ...
Reddit
reddit.com › r/discover › credit limits for discover card
r/discover on Reddit: Credit limits for Discover Card
May 20, 2025 -
I applied to Wells Fargo and the Discover card almost simultaneously. Had two windows open. The last card I had applied for was years ago. I have a decent credit profile, and my Experian FICO 8 score is high enough that I am comfortable taking a temporary hit for 2-3 new accounts. I'm unsure if this has to do with Capital One acquiring Discover card, but how is it possible that Wells Fargo gave me a CL of 26k and Discover gave me a CL of 4k? Both did a HP from Experian. I also applied for the Amex Blue Cash Everyday, and they gave me 15k after they did a HP from TransUnion, which had an outdated higher balance on one card. All other cards are at zero (they updated the balance hours later 😒- otherwise I would have likely had a higher CL with Amex). I’m just baffled at the low Discover card limit. Has this occurred to anyone recently?
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Define simultaneously. Chances are your credit was pulled with one first then the other.
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I was under the impression that Discover provided higher limits. I'm actually interested in the rotating categories; it's just that the low CL surprise me. I'm not sure if their algorithm changed with the capital one acquisition or if they are always this conservative. It is a possibility that they saw the WF inquiries within seconds of each other, causing the lower limit, but the disparity is significant.
WalletHub
wallethub.com › popular credit card questions
Discover it Secured Credit Card Deposit Amount
February 10, 2025 - The Discover it® Secured Credit Card deposit amount is $200 to $2,500, and this also doubles as its credit limit. But not everyone approved for a Discover it Secured Credit Card will be able to deposit the $2,500 maximum
myFICO
ficoforums.myfico.com › t5 › Rebuilding-Your-Credit › Discover-IT-Secured-Pre-approved › td-p › 6386315
Discover IT Secured (Pre-approved) - myFICO® Forums - 6386315
August 11, 2021 - You will have to call them and increase it over the phone. There is a credit limit increase option in the app that will give you the phone # or just call the # on the back of your card. They still review your request each time you request to add to your secured limit.
Credit Karma
creditkarma.com › creditcard › CCDiscover06
Discover it® Secured Credit Card
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.