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49

Discover It® Secured Credit Card

Capital One, National Association

Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719
Issuer site ↗
Purchase APR
26.74–27.24%
Annual fee
None
0% intro
None
0% transfer
10.99%
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered26.74%
Median27.24%
Highest offered27.24%

Balance transfer APR

Promotional window: 6 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered10.99%
Median10.99%
Highest offered10.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee3%
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$0
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$0.50
Balance computationOther
Additional fees
Returned Payment Fee$30
Optional: Identity Theft Protection$15

Late fee policy: $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwise

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Cashback Match - Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (3%)$150
Promo interest at 10.99%$137.38
You save$12.63

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 27.24% afterwards.

Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

20 documents filed by Capital One, National Association in the 2026 Q1 archive.

All 20 agreements

More from this issuer