Capital OneDiscover It® Secured Credit CardRegistry illustration · issuer artwork unavailable

Discover It® Secured Credit CardCapital One · N bank, CT · FDIC 4297

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · secured

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Purchase APR

26.49%

p.1variable

Balance transfer

10.99% introductory · reported median duration 6 mo

no ongoing rate filed

Cash advance APR

28.74%–29.24%

variable

Annual fee

p.1none

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	26.49% variableCapital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“26.49% . This APRwill vary with the market based on the Prime Rate. 1”Capital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfersintroductory rate first	10.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	28.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$0.50	—	—
How we calculate your balance	Other	—	—
Annual fee	$0Capital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”Capital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	$10 or 5% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$0, $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwiseConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$30, $30 for all occurrences.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Optional: Identity Theft Protection	$15, $15/monthConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Applicant must self-fund the account.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Secured_Cardmember_Agreement_033126page 1 of 6

PRICING SCHEDULE

This is an example of terms that were available to recent applicants as of 03/31/26. They may not be available now. If you apply, your terms will be based on that offer. This Pricing Schedule is part of the Cardmember Agreement

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 26.49% . This APRwill vary with the market based on the Prime Rate. 1 APRfor Balance Transfers · 26.49% . This APRwill vary with the market based on the Prime Rate. 1 APRfor Cash Advances · 28.49% . This APRwill vary with the market based on the Prime Rate. 2 Penalty APRandWhenItApplies · None Paying Interest · Your due date is at least 25 days after the close of each billing period. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances and balance transfers as of the later of the transaction date or the first day of the billing period in which the transaction posted to your account. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.50 .

Fees Annual Fee · None Balance Transfer Fee · 5% of the amount of each transfer. Cash Advance Fee · Either $10 or 5% of the amount of each cash advance, whichever is greater. Late Fee · None the first time you pay late. After that, up to $41 Returned Payment Fee · Upto $30

How We Will Calculate Your Balance: We will use a method called 'daily balance (including current transactions).' See the Cardmember Agreement for details.

1 The purchase and balance transfer APR is equal to the Prime Rate plus a margin of 19.74%.

2 The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%.

1 2 3 4 5 6Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Capital One, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“26.49% . This APRwill vary with the market based on the Prime Rate. 1”
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Capital One, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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Capital One, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50 .”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Other, Requirements for Opening, Requirements for Opening Types
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-secured-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Purchase APR
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Capital One
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 4297
Branches: 252 in CT, DC, DE, LA, MD, NJ, NY, TX, VA
Sources: Government dataset · 1 document · 1 page cited

Documents

Secured_Cardmember_Agreement_033126effective date not parsed

Discover It® Secured Credit CardCapital One · N bank, CT · FDIC 4297

Rates and fees