Discover it Secured Credit Card: Check out how the card works and main benefits

Want to improve your credit score? The Discover it Secured card is the ideal solution for those starting out or looking to rebuild their credit history.

With it, you set your initial limit by making a refundable deposit. In addition to helping build your credit, you also enjoy incredible rewards!

Discover how the Discover it Secured can transform your financial health and explore all the benefits tailored for you. Read until the end to learn how to apply for yours.

After all, how does a secured card work?

A secured card works a bit differently from regular credit cards.

With a secured card like the Discover it Secured, you need to make a refundable deposit that determines your initial credit limit.

This deposit acts as a guarantee for the financial institution, allowing people who are starting to build credit or need to rebuild their score to access a credit card.

In contrast, regular credit cards do not require this type of security deposit. They determine your credit limit based on your credit history, income, and other financial factors.

Therefore, the main difference between a secured card and a regular credit card lies in the initial refundable deposit required for the former, which serves as a guarantee, while the latter determines your limit based on your financial history and credit profile.

What are the cashback rewards of the card?

The Discover it Secured Credit Card offers cash rewards that are simple and advantageous.

You earn 2% Cashback Bonus at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. On all other purchases, you earn unlimited 1% cashback.

Additionally, at the end of your first year, you receive a dollar-for-dollar match of all the cashback you’ve accumulated, with no limits.

The cash rewards can be processed as a credit on your account, used to pay for purchases, or transferred to a bank account.

They have no time restrictions for redemption and remain valid for up to 5 years after the year they were earned.

What are the application requirements?

To be approved for your Discover it Secured card, you need to meet some essential criteria.

You must be over 18 years old, reside in the United States, have a valid Social Security number, and a U.S. bank account.

Being a Discover customer and making a security deposit to establish the credit limit are also simple requirements that ensure the approval of your card without the need for a credit history check.

Understand the card benefits

The Discover it Secured Credit Card offers several benefits for those building or rebuilding their credit. 

Check out now what you will get with this card and how to make the most of what it has to offer:

No annual fee

Unlike many other credit cards, the Discover it Secured Credit Card does not charge an annual fee, which means you won’t have to pay yearly fees to use the card.

This advantage not only helps save money in the long run but also makes the card more accessible to those building or rebuilding their credit.

With this saving, you can direct your resources to other financial needs or further enjoy the benefits and rewards offered by the card.

Online privacy protection

Discover offers a feature that goes beyond monitoring not just your credit report but also the web, ensuring the continuous protection of your personal information.

This service helps detect early any attempts at identity theft.

At the same time, it offers ready resources to deal with any issues that may arise, providing additional peace of mind regarding the security of your financial data.

Security alerts

The Discover it Secured Credit Card offers a variety of features designed to protect your information and financial transactions.

Besides the standard benefits, the Discover it Secured Credit Card also offers advanced security features.

This allows you to receive instant alerts in case of any suspicious activity involving your data.

Additionally, Discover’s service notifies you if your Social Security number is detected on any of the thousands of dark web sites monitored by the company.

These combined features help ensure that your personal information is protected and that you can act quickly to resolve any security issues that may arise.

Freeze it Account

The Discover it Secured Credit Card offers the Freeze it Account feature, which allows you to freeze your card instantly through the Discover website or Discover app.

This means you can block new purchases, balance transfers, and cash advances if:

• You lose your card: If you lose your card, you can freeze it immediately, preventing it from being used for unauthorized transactions.
• Suspect fraud: If you suspect your card has been used fraudulently, you can freeze it to prevent further damage while investigating the issue.

Zero fraud liability guarantee

The Discover it Secured Credit Card offers Zero Fraud Liability Guarantee, a protection that secures you against financial losses in situations of unauthorized or counterfeit card use.

If someone steals your card or information and makes transactions without your permission, you will not be responsible for those transactions.

Similarly, if a counterfeit card is used to make purchases on your account, you will not be responsible for those fraudulent transactions either.

This guarantee acts as an additional layer of security, providing peace of mind when using your Discover it Secured card, knowing that you are protected against these types of financial incidents.

How to apply for the Discover it Secured Credit Card?

Find out now how to apply for your Discover it Secured Credit Card:

• Go to the official Discover it Secured Credit Card website by clicking here.
• Next, choose the “Apply Now” option and complete the fields with your address and the required personal information.
• After entering all the necessary details and agreeing to the terms of the contract, submit your application to the bank.

Now just wait for approval and receive your Discover it Secured card to start making your purchases.

Remember to make the security deposit to establish your credit limit and enjoy all the advantages of your new card.

Interested in this credit card option? Apply for your Discover it Secured Credit Card now and discover all the benefits it offers. Also, explore other card options available on our website.

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