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Terms read from Discover's page on Oct 16, 2026.
Year 1, after fees
$1,226
Year 2+, after fees
$613
every year after
3 years, after fees
$2,453
Break-even
No fee
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $442 | $221 | $883 | No fee |
| Couple ($2,555/mo) | $997 | $499 | $1,994 | No fee |
| Family ($3,350/mo) | $1,226 | $613 | $2,453 | No fee |
| Frequent traveller ($3,880/mo) | $1,373 | $686 | $2,746 | No fee |
| Big spender ($7,960/mo) | $2,390 | $1,195 | $4,781 | No fee |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
Rewards
- 5% on quarterly categories, when activated, up to $1,500 a quarter
- 1% on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Note: Needs a refundable deposit (from $49 for a $200 line).
- Note: Rotating categories use Discover's 2026 calendar; Cashback Match doubles first-year cash back.
Not counted or not confirmed
- Purchase APR isn't on the card page.
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $613.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Discover it Secured worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,226 in year 1 and $613 a year after that, after no annual fee.
What is the Discover it Secured welcome offer?
There's no welcome offer on the issuer's page.
Does the Discover it Secured charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.