Discover it at no cost

We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. Use Rewards at Amazon. com: For complete details on how to Pay with Rewards at Amazon. com see Amazon. Amazon is not a sponsor of this promotion.

Amazon, the Amazon. com logo, the smile logo and all related marks are trademarks of Amazon. com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.

com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction. Use Rewards with PayPal : For complete details on how to Pay with Rewards with PayPal see PayPal.

Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase.

You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction. Discover ® Identity Alerts Alerts are offered by Discover Bank at no cost, are available only online, and do not impact your credit score.

The Alerts currently provide: a daily monitoring of your Experian ® credit report and an alert when a new inquiry or account is listed on your report; b 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.

Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

To see a list of Frequently Asked Questions, visit discover. Freeze it ® : When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers including checks. However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations such as some transit purchases , payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Free Overnight Card Replacement: Free overnight shipping is not available to P. boxes or addresses outside the U. Carrier overnight shipping limitations apply that may impact the exact delivery date.

FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus.

This information is intended for and only provided to Primary account holders who have an available score. See Discover. Your score, key factors and other credit information are available on Discover. com and cardmembers are also provided a score on statements.

Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO ® Credit Score just call us at DISCOVER Please give us two billing cycles to process your request.

Calendar quarters begin January 1, April 1, July 1, and October 1. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations.

Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.

For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods.

Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants.

This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.

Freeze it ® : When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers including checks. However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations such as some transit purchases , payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus.

This information is intended for and only provided to Primary account holders who have an available score. See Discover. Your score, key factors and other credit information are available on Discover.

com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO ® Credit Score just call us at DISCOVER Please give us two billing cycles to process your request.

Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

Use Rewards at Amazon. com: For complete details on how to Pay with Rewards at Amazon. com see Amazon. Amazon is not a sponsor of this promotion. Amazon, the Amazon.

com logo, the smile logo and all related marks are trademarks of Amazon. com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.

com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

Use Rewards with PayPal : For complete details on how to Pay with Rewards with PayPal see PayPal. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund.

To learn more about Pay with Rewards, see terms and conditions. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase.

You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction. Free Overnight Card Replacement: Free overnight shipping is not available to P.

boxes or addresses outside the U. Carrier overnight shipping limitations apply that may impact the exact delivery date.

Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. About product reviews : We calculate the average product rating based on ratings that customers submit.

We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information.

Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile 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.

Types of personal information found on these sites will vary. Based Customer Service: You can reach a live agent any time by calling Discover Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers.

Card applicants cannot be pre-approved for the NHL Discover Card. Credit Card Products. Credit Cards by Feature. Tools and Resources.

All Credit Cards. Cash Back Credit Cards Airline Travel Credit Card Low Interest Credit Cards. Balance Transfer Credit Cards Credit Cards for College Students Credit Cards for No Credit History. Credit Cards to Build Credit No Annual Fee Credit Cards. Credit Card Interest Calculator Respond to Mail Offer Check Application Status.

Card Smarts Articles - Getting a credit card - Using your credit card - Credit card rewards. Free Credit Score for Cardmembers. Discover Credit Cards Discover it ® Secured.

Back To Top. Discover It ® Secured Credit Card. See if You're Pre-Approved. Check Now. No annual fee. When it comes down to it, various fees can be a necessary part of having and using a credit card. No impact to your credit score.

View all Discover credit cards. See rates, rewards and other info. Thank you for your feedback Learn more Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service.

It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional. What Are the Most Common Credit Card Fees?

Last Updated: September 26, Getting a credit card. Key points about: credit card fees There are many types of credit card fees, but not all credit cards charge the same fees, and the amounts can vary widely. Did you know? Important information. Next steps. View all Discover credit cards See rates, rewards and other info.

You may also be interested in. What is a Credit Card Balance? Does Opening a Credit Card Hurt Your Credit? At What Age Can You Get a Credit Card?

How to Choose the Best Airline Credit Card for You 4 min read. Share article. Was this article helpful? Yes No. Glad you found this useful. Could you let us know what you found helpful?

There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer

Discover it at no cost - A card with no annual fee lets you avoid paying a fee each year just to keep the account open. Credit cards with an annual fee help card There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer

If you are building a credit history, or looking to rebuild with credit responsible use , the Discover it ® Secured Credit Card may be right for you. You will need to be at least 18 years of age, have a Social security number, U.

address and U. bank account, and provide all the required information in the online application. Be sure to have your bank routing number and account number handy when you apply.

Applications are taken 24X7 on Discover. Apply Now. A secured credit card requires you to make a deposit equal to the amount of your credit line, while an unsecured credit card requires no deposit. A secured credit card is designed for people who are looking to build or rebuild their credit.

It looks and acts like a traditional credit card except that you provide a security deposit as collateral for your credit card account. And like a traditional credit card, as you use your credit card, you will need to make payments each month and your credit card account use is reported to the three major credit bureaus.

So your on-time payments and responsible use can help build your credit. If you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus ten days. A secured credit card reports your credit history to the major credit bureaus like other credit cards.

So your continued responsible credit use can help you build a more appealing credit history over time. With the Discover it Secured Credit Card, automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.

Your APR—or annual percentage rate—on a secured credit card is a statement of the interest rate as a yearly rate. Yes, a credit card issuer will place a hard inquiry on your credit report when you apply for a new secured card, just as they would for an unsecured credit card application.

This card is for people new to credit as well as people looking to rebuild their credit. To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness.

If you are not approved, we will provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we could not approve your application.

When you're just starting out and you have no credit history at all, you need to find the right credit card that can help prepare you for the future. On-time payments can help put you on the right financial path. It's important to show a good credit score in case you want to rent an apartment, finance a car loan, get hired by employers who review credit reports, or use a mortgage to buy a house.

Discover shows your FICO ® Credit Score 9 for free, so you can track it. Seeing how your credit score is affected by your credit actions can help you improve your credit knowledge.

With the Discover it ® Secured Credit Card, you provide a refundable security deposit to back your credit line. You still make monthly payments, and can build credit with responsible use. The Discover it ® Secured Card can help you build credit with responsible use 2 , like making your payments on time and in full each month.

Payment history is reported to the credit bureaus. Another part of responsible credit card use is to keep your balances low to improve your credit utilization ratio—using less of your available credit is viewed by credit bureaus more favorably.

Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. You're never responsible for unauthorized purchases on your Discover Card. You can talk to a real person from our customer service team any time.

Viewing your Credit Scorecard will never impact your FICO ® Score. Before you apply, see what Discover offers you could be pre-approved for with no harm to your credit score Denied for credit cards or loans due to poor credit? What is a secured credit card and how can it help you build your credit history and get back on track.

Learn what makes a secured credit card different than an unsecured credit card, including which card requires a deposit and how you can qualify for each. Are you interested in a secured credit card, but worried about not getting your security deposit back?

Learn more about how secured credit cards work. Calendar quarters begin January 1, April 1, July 1, and October 1. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations.

Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services.

Purchases must be made with merchants in the U. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Merchants and payment processors are assigned an MCC based on their typical products and services.

Discover Card does not assign MCCs to merchants. Learn more at Discover. See Cashback Bonus Program Terms and Conditions for more information. You must meet other applicable underwriting criteria.

When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.

Discover will determine your maximum credit limit by your income and ability to pay. Getting your deposit back: Monthly reviews start your seventh month as a customer. We will refund your security deposit if you have made all payments on time for the last six consecutive billing cycles on all your Discover accounts including any loans, and you've remained in "good status" on all credit accounts you are responsible for whether they are Discover accounts or not.

Monthly reviews may be delayed if you change your payment due date. We typically process your refund in business days based on your delivery preference. If you close your account and pay in full, we'll return your deposit within two billing cycles plus ten days. Cashback Match: Only from Discover as of December We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed.

This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Based on Discover it Secured credit card application data, applicants without a credit score may qualify. Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify.

Discover ® Identity Alerts Alerts are offered by Discover Bank at no cost, are available only online, and do not impact your credit score.

The Alerts currently provide: a daily monitoring of your Experian ® credit report and an alert when a new inquiry or account is listed on your report; b 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.

Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

To see a list of Frequently Asked Questions, visit discover. Freeze it ® : When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers including checks. However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations such as some transit purchases , payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score.

See Discover. Your score, key factors and other credit information are available on Discover. com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO ® Credit Score just call us at DISCOVER Please give us two billing cycles to process your request.

Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

Use Rewards at Amazon. com: For complete details on how to Pay with Rewards at Amazon. com see Amazon. Amazon is not a sponsor of this promotion. Amazon, the Amazon. com logo, the smile logo and all related marks are trademarks of Amazon. com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards.

Annual Fee: None. Rates as of. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Not now. And not hiding a year from now. x out of 5 Average of x Reviews See how we calculate our ratings. x Average of x Reviews Choose from 25 colorful designs when you apply to become a Discover it ® card member. Get an alert if we find your Social Security Number on any of thousands of Dark Web sites.

You're never responsible for unauthorized purchases on your Discover Card. Pay with Cashback Bonus: Use your rewards at checkout at Amazon. com 4 and Paypal 5. Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it ® cash back card.

Yes, you can redeem cash back any time after you earn it and still receive the full match amount at the end of your first year. We'll automatically match all the cash back you earn at the end of your first year.

No, there is no annual fee for the Discover it ® Card. We think you deserve the rewards of our cash back credit card without an annual fee setting you back. While cards with no annual fee can lower the cost of using your card, these credit cards will charge interest and could have other types of fees.

When you pay your balance on time and in full at each billing statement, you may be able to avoid paying interest on purchases and reduce the cost of using credit. Earn unlimited 1. Find out which credit cards you may qualify for with our online credit card-pre-approval tool - checking doesn't impact your credit score and can personalize your offer.

Cashback Match: Only from Discover as of December We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed.

This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance.

We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. Use Rewards at Amazon.

com: For complete details on how to Pay with Rewards at Amazon. com see Amazon. Amazon is not a sponsor of this promotion. Amazon, the Amazon. com logo, the smile logo and all related marks are trademarks of Amazon. com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards.

If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.

com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

Use Rewards with PayPal : For complete details on how to Pay with Rewards with PayPal see PayPal. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund.

To learn more about Pay with Rewards, see terms and conditions. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase.

You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction. Discover ® Identity Alerts Alerts are offered by Discover Bank at no cost, are available only online, and do not impact your credit score.

The Alerts currently provide: a daily monitoring of your Experian ® credit report and an alert when a new inquiry or account is listed on your report; b 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.

Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

To see a list of Frequently Asked Questions, visit discover. Freeze it ® : When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers including checks. However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations such as some transit purchases , payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Free Overnight Card Replacement: Free overnight shipping is not available to P. boxes or addresses outside the U. Carrier overnight shipping limitations apply that may impact the exact delivery date. FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus.

This information is intended for and only provided to Primary account holders who have an available score. See Discover. Your score, key factors and other credit information are available on Discover. com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online.

Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO ® Credit Score just call us at DISCOVER Please give us two billing cycles to process your request.

Calendar quarters begin January 1, April 1, July 1, and October 1. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations.

Rewards Discover it at no cost added iit your account ay two if periods. Cap on how much Medium roast coffee samples cash nno you can earn each quarter con icon Two crossed lines that form an 'X'. No fee for insufficient funds Opens modal dialog Some competitors may have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe. Do you prefer earning cash back or Miles? See how we calculate our ratings. What is a No Annual Fee Credit Card?

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4 thoughts on “Discover it at no cost”
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