Discover it Secured Card with ITIN: How to Apply (2026)

Does Discover it Secured Accept ITIN?

✅ Verdict

Yes, Discover it Secured accepts ITIN. You apply online, enter your ITIN in place of an SSN, and make a security deposit of $200–$2,500. Discover reports to all three major credit bureaus, earns 2% cash back at gas stations and restaurants (up to $1,000/quarter) and 1% on everything else. After 7 months, Discover automatically reviews your account monthly to see if you qualify for a graduation to an unsecured card and a deposit refund.

How to apply

Discover allows ITIN holders to apply online at discover.com. When the application asks for your SSN, you can enter your ITIN instead — the field accepts both. No branch visit required.

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Card Details

Annual Fee	$0
Security Deposit	$200 minimum, up to $2,500
Starting Credit Limit	Equal to your deposit
APR	27.74% variable
Cash Back	2% at gas stations & restaurants (up to $1,000/qtr), 1% everywhere else
First-Year Bonus	Discover matches ALL cash back earned in your first year
Reports to Bureaus	Equifax, Experian, TransUnion
Upgrade Review	Automatic monthly review starting at month 7

What You'll Need

Your ITIN (enter in the SSN field — the system accepts both)
U.S. address
Income information
Bank account or debit card for the security deposit

How to Apply — Step by Step

1Go to the Discover it Secured card application on discover.com.
2Fill in your name, date of birth, and U.S. address.
3When the application asks for your Social Security Number, enter your ITIN in the same field. Discover's system accepts ITINs.
4Enter your income information.
5Choose your deposit amount ($200–$2,500). Your credit limit equals your deposit.
6Pay the deposit. Your card arrives in 5–7 business days.
7Enroll in AutoPay and set it to pay the full balance each month.

💡 Deposit more to get a higher limit

Unlike Capital One, Discover lets you choose your deposit between $200 and $2,500. A higher deposit means a higher credit limit, which makes it easier to keep utilization low.

💡 First-year cashback match is real value

Discover doubles all cash back earned in your first 12 months. If you earn $60 in cash back, Discover adds another $60 at the end of year one — automatic.

Frequently Asked Questions

Can I apply for Discover it Secured with an ITIN? +

Yes. Enter your ITIN in the Social Security Number field on the application. Discover's system accepts ITINs and processes the application the same way as an SSN application.

What is the minimum deposit for Discover it Secured? +

The minimum deposit is $200. Your credit limit equals the amount you deposit. You can deposit up to $2,500 for a higher credit limit.

When does Discover review me for an unsecured upgrade? +

Discover starts automatically reviewing your account every month beginning at month 7. If you qualify — based on your payment history and credit profile — they will upgrade you to an unsecured card and return your security deposit.

Does the Discover it Secured earn cash back? +

Yes. It earns 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter) and 1% on all other purchases. Discover also matches all cash back earned in your first year.

Does Discover report to all three credit bureaus? +

Yes. Discover reports to Equifax, Experian, and TransUnion monthly, which helps you build a credit history that shows up everywhere lenders check.

Browse All ITIN Credit Cards

Compare the four cards ITIN holders can get:

Capital One Secured Discover it Secured Chase Freedom Unlimited Amex Blue Cash

For a full side-by-side comparison, see the best credit cards for ITIN holders guide →