Verdict · Updated April 2026
Discover it Secured Credit Card for Dining & Restaurants
The Discover it Secured Credit Card is workable for dining & restaurants but not the strongest fit — ranked #23 of 40 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
Rank #23 of 4044th percentileWorkable but not optimal
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Discover it Secured Credit Card
Discover · No annual fee
The best secured credit card by a wide margin — and the only secured card that earns meaningful cash back rewards. Most secured cards offer nothing; Discover gives you 2% on gas and dining with Cashback Match doubling it all year one. Automatic review for upgrade to unsecured after 7 months means your deposit is returned faster than most.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$276
Annual fee
$0
Net value
$276
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where it falls short
- Only 2% on dining — pure dining-focused cards earn 3-4x
- No intro 0% APR and a high regular APR (28.24%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Discover it Secured Credit Card on our dining & restaurants scoring model.
Frequently asked questions
Is the Discover it Secured Credit Card a good card for dining & restaurants?⌄
The Discover it Secured Credit Card is workable for dining & restaurants but not the strongest fit — ranked #23 of 40 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
How much can I earn with the Discover it Secured Credit Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $276 in rewards — net $276 after the $0 annual fee.
What are better alternatives to the Discover it Secured Credit Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Discover it Secured Credit Card?⌄
The Discover it Secured Credit Card typically requires poor credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Discover it Secured Credit Card's annual fee worth it for this use case?⌄
The Discover it Secured Credit Card has no annual fee — there's no breakeven to clear, so any rewards earned on dining & restaurants spending are pure profit.
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