How do I activate the Discover it Secured benefits?

Most Discover it Secured benefits activate automatically when you use your card. Cash back is earned on every eligible purchase — 2% at gas stations and restaurants on up to $1,000 in combined quarterly purchases, then 1% on everything else, with 1% on all other spending. Free FICO score monitoring and dark web SSN alerts are available in your Discover account and mobile app at no extra step. There are no travel insurance or purchase protection programs to activate — Discover removed its entire insurance suite in February 2018.

Who is covered under the Discover it Secured card?

The $0 Fraud Liability guarantee protects the primary cardholder against unauthorized purchases. Free FICO score monitoring and dark web SSN monitoring cover the primary cardholder's account and Social Security number. There are no travel insurance or purchase protection programs on this card, so the concept of covered beneficiaries under an insurance policy does not apply. All account-level protections are tied to the primary cardholder and their account activity.

Does the Discover it Secured offer rental car coverage?

No. The Discover it Secured does not include any rental car damage coverage or CDW (Collision Damage Waiver). Discover removed auto rental insurance from all of its credit cards on February 28, 2018. If you decline the rental agency's collision protection at the counter and use only this card, any damage or theft to the vehicle is entirely your financial responsibility. For rental car protection, either purchase the agency's CDW at the counter or use a card from another issuer that includes this benefit.

What does the Discover it Secured NOT cover?

The Discover it Secured does not cover trip cancellation, emergency medical expenses abroad, emergency evacuation, trip delays, baggage loss or delay, rental car damage, purchase protection, extended warranties, cell phone damage, return protection, or price protection. Discover eliminated all of these programs on February 28, 2018, citing low usage rates — making it the only major US card issuer with zero coverage across all these categories. The card's value is its cash back structure and credit-building tools, not protective coverage. A separate travel insurance policy is required if you travel.

Is the Discover it Secured enough coverage for international travel?

No. The Discover it Secured provides zero travel insurance for international trips. No trip cancellation, no emergency medical, no evacuation, no delay coverage, and no baggage protection exist on this card. A medical emergency abroad can cost $10,000 to $80,000 — every dollar is the cardholder's responsibility. An emergency evacuation from a remote area can run $200,000. If you travel internationally, a standalone travel insurance policy is not optional with this card. The $0 annual fee is a genuine strength for credit building, not a substitute for coverage.

Is cell phone protection included with the Discover it Secured?

No. The Discover it Secured does not include cell phone protection. Discover removed this and all other shopping protection benefits in February 2018. If your phone is stolen or the screen is cracked, repair costs typically run $200 to $500, and a full replacement for a flagship phone costs $800 to $1,300 — entirely out of pocket on this card. For cell phone protection, consider adding a device protection plan or pairing this card with one from an issuer that includes the benefit.

Does the Discover it Secured cover medical emergencies abroad?

No. The Discover it Secured has no emergency medical coverage abroad. Discover removed its travel accident and medical benefits in February 2018. Every dollar of medical expenses incurred outside the United States is the cardholder's direct responsibility. A single ER visit in Japan or Western Europe averages $15,000 to $60,000. Medicare covers $0 for emergency care outside the United States. If you travel internationally, a standalone travel medical insurance policy is required — this card provides no fallback.

How does the Discover it Secured cash back work?

The Discover it Secured earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter, then 1% on those categories above the cap. All other purchases earn 1% with no cap. At the end of your first year, Discover automatically matches every dollar of cash back you earned — with no limit on the match amount. A cardholder spending $500 per month would earn roughly $60 in base cash back before the match, and $120 after. The match applies once, at the end of month 12, and is credited automatically.

What are the Discover it Secured card benefits?

The Discover it Secured credit card benefits are centered on cash back and credit building: 2% back at gas stations and restaurants on up to $1,000 combined per quarter, 1% on all other purchases, and an automatic Cashback Match at the end of year one. Non-rewards benefits include free FICO score monitoring, dark web SSN alerts, $0 fraud liability, no annual fee, no foreign transaction fees, and a first late payment fee waiver. The card has no travel insurance, rental car coverage, or purchase protection — Discover removed all protection programs in 2018.

Discover it Secured card benefits: does the coverage hold up beyond cash back?

Discover·$0/year·Discover·none

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

0,0/5Independent review · verified June 2026

Our Verdict · Travel Insurance

Our opinion on Discover Discover it® Secured Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Zero travel coverage. None. Here's what Discover removed from every cardholder in February 2018. Your flight gets canceled, the hotel won't refund, your bag disappears in Frankfurt — the Discover it Secured covers none of it. No trip cancellation, no emergency medical, no evacuation, no delay, no baggage. Most cardholders assume a credit card automatically includes at least basic trip delay or baggage coverage. It doesn't, not here. Discover is the only major US issuer to have eliminated its entire insurance suite. A standalone travel insurance policy covers $10,000 in trip cancellation, $100,000 in emergency medical, and unlimited evacuation for roughly $100 to $200 per trip. This card covers $0 across all three. If you stay domestic and never file a single claim, the gap is manageable. If you travel internationally even once, a separate policy is not optional.

What works on travel

No foreign transaction fees: international purchases are not penalized even without travel coverage
Discover customer service 24/7 at 1-800-347-2683: reachable from anywhere for account issues while traveling

Where travel breaks down

No trip cancellation: all prepaid flights, hotels, and tours are unrecovered if you cancel for any reason
No emergency medical abroad: every hospital dollar is the cardholder's responsibility, from $10,000 to $80,000+
No emergency evacuation: air ambulance from Europe or Asia runs $200,000 and is entirely out of pocket
No trip delay coverage: hotels, meals, and transport during any delay are not reimbursed
No baggage coverage: lost, stolen, or delayed bags have no reimbursement through this card

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 11 guarantees

What does Discover Discover it® Secured Travel Insurance actually cover?

Quality, not just caps

Discover removed trip cancellation from all its cards on February 28, 2018. Every dollar of prepaid non-refundable travel is at risk with no card fallback.

No trip cancellation coverage. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.

No emergency medical coverage. This benefit is not included with this card. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.

No emergency evacuation coverage. This benefit is not included with this card. Emergency transportation costs are entirely the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 to $300,000.

No trip interruption coverage. This benefit is not included with this card. Costs from a trip cut short, including return flights and unused hotel nights, are out of pocket.

No trip delay benefit. This benefit is not included with this card. Meals, lodging, and transportation during a delay are the cardholder's responsibility.

No missed connection coverage. This benefit is not included with this card. If a delayed inbound flight causes you to miss a connection, rebooking costs and expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.

No early return coverage. This benefit is not included with this card. Additional transportation costs from cutting a trip short are not reimbursed. A last-minute one-way flight home can cost $800 to $2,000.

No baggage delay reimbursement. This benefit is not included with this card. Essential purchases during a baggage delay are out of pocket. A 48-hour delay can require $300 to $500 in essential purchases.

No lost or stolen baggage coverage. This benefit is not included with this card. If your luggage is permanently lost or stolen in transit, the airline liability limit applies ($3,700 domestic). All losses above that cap are unrecovered.

No travel accident insurance. This benefit is not included with this card. No lump-sum payment exists in the event of death or dismemberment on a covered trip.

No hotel theft protection. This benefit is not included with this card. Personal belongings stolen from your hotel room are not covered by this card. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Discover Discover it® Secured wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Discover it® SecuredThis card0.0/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Discover Discover it® Secured stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Discover it® Secured shoppers also consider.

Card	This card Discover it® Secured Discover · $0/yr 0.0/5?	Aeroplan Chase · $95/yr 3.2/5?	Sapphire Reserve Chase · $795/yr 3.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$1,500 per person All prepaid travel	$10,000 per person 13 covered reasons
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,500 Reimbursement only	$2,500 \| $50 deductible $50 deductible
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	$100,000 Pre-auth required	$100,000 \| pre-auth required Pre-authorization required
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	12h / $500 Trigger: 12 hours	$500 after 6 hours Trigger: 6 hours
Rental CDW Primary or secondary	Not covered Cover this gap →	Secondary / $75,000 Secondary CDW	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

SuperMoney

November 2020

Customer service actually explains things

The customer service reps actually take the time to explain. Every question I had was answered clearly.

SuperMoney

January 2021

Account closed without warning

Discover closed my credit card account without warning because I wasn't using it. I used to love Discover until they treat me like an afterthought.

WalletHub

2024

Approval reversed three days later

Discover did a hard pull, approved me, then three days later reversed the approval claiming they couldn't withdraw the $200 deposit from my checking account, even though the routing and account numbers were correct.

US Customer Service

1-800-347-2683

24/7

International Customer Service

1-224-888-7777

24/7

Benefit administrator: Discover Customer Service — no third-party insurance administrator

Claims & pre-authorizations

How to contact Discover it Secured support

Step 1: Report fraud immediately

Call 1-800-347-2683 (24/7) or freeze your account via the Discover mobile app. Discover's $0 Fraud Liability guarantee covers all unauthorized purchases. Report as soon as you notice the charge.

Step 2: Dispute a charge

For billing disputes, call 1-800-347-2683 within 60 days of the statement date. Have the merchant name, transaction date, and amount ready. Disputes are typically resolved within 30 to 60 days.

Step 3: Request an account review

To request an upgrade to an unsecured card and deposit return, call 1-800-347-2683 or log in at discover.com. Note: Capital One acquired Discover in May 2025 and has discontinued the automatic 7-month review schedule.

Most Discover it Secured benefits activate automatically when you use your card. Cash back is earned on every eligible purchase — 2% at gas stations and restaurants on up to $1,000 in combined quarterly purchases, then 1% on everything else, with 1% on all other spending. Free FICO score monitoring and dark web SSN alerts are available in your Discover account and mobile app at no extra step. There are no travel insurance or purchase protection programs to activate — Discover removed its entire insurance suite in February 2018.
The $0 Fraud Liability guarantee protects the primary cardholder against unauthorized purchases. Free FICO score monitoring and dark web SSN monitoring cover the primary cardholder's account and Social Security number. There are no travel insurance or purchase protection programs on this card, so the concept of covered beneficiaries under an insurance policy does not apply. All account-level protections are tied to the primary cardholder and their account activity.
No. The Discover it Secured does not include any rental car damage coverage or CDW (Collision Damage Waiver). Discover removed auto rental insurance from all of its credit cards on February 28, 2018. If you decline the rental agency's collision protection at the counter and use only this card, any damage or theft to the vehicle is entirely your financial responsibility. For rental car protection, either purchase the agency's CDW at the counter or use a card from another issuer that includes this benefit.
There are no insurance claims to file on the Discover it Secured — the card has no travel, rental, or purchase protection programs. For unauthorized charges, call 1-800-347-2683 (24/7) or freeze your account instantly through the mobile app. Discover's $0 Fraud Liability guarantee covers all unauthorized purchases. For billing disputes, call the same number within 60 days of your statement date with the merchant name and transaction amount. International callers can reach Discover at 1-224-888-7777.
The Discover it Secured does not cover trip cancellation, emergency medical expenses abroad, emergency evacuation, trip delays, baggage loss or delay, rental car damage, purchase protection, extended warranties, cell phone damage, return protection, or price protection. Discover eliminated all of these programs on February 28, 2018, citing low usage rates — making it the only major US card issuer with zero coverage across all these categories. The card's value is its cash back structure and credit-building tools, not protective coverage. A separate travel insurance policy is required if you travel.
No. The Discover it Secured provides zero travel insurance for international trips. No trip cancellation, no emergency medical, no evacuation, no delay coverage, and no baggage protection exist on this card. A medical emergency abroad can cost $10,000 to $80,000 — every dollar is the cardholder's responsibility. An emergency evacuation from a remote area can run $200,000. If you travel internationally, a standalone travel insurance policy is not optional with this card. The $0 annual fee is a genuine strength for credit building, not a substitute for coverage.
No. The Discover it Secured does not include cell phone protection. Discover removed this and all other shopping protection benefits in February 2018. If your phone is stolen or the screen is cracked, repair costs typically run $200 to $500, and a full replacement for a flagship phone costs $800 to $1,300 — entirely out of pocket on this card. For cell phone protection, consider adding a device protection plan or pairing this card with one from an issuer that includes the benefit.
No. The Discover it Secured has no emergency medical coverage abroad. Discover removed its travel accident and medical benefits in February 2018. Every dollar of medical expenses incurred outside the United States is the cardholder's direct responsibility. A single ER visit in Japan or Western Europe averages $15,000 to $60,000. Medicare covers $0 for emergency care outside the United States. If you travel internationally, a standalone travel medical insurance policy is required — this card provides no fallback.
The Discover it Secured earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter, then 1% on those categories above the cap. All other purchases earn 1% with no cap. At the end of your first year, Discover automatically matches every dollar of cash back you earned — with no limit on the match amount. A cardholder spending $500 per month would earn roughly $60 in base cash back before the match, and $120 after. The match applies once, at the end of month 12, and is credited automatically.
The Discover it Secured credit card benefits are centered on cash back and credit building: 2% back at gas stations and restaurants on up to $1,000 combined per quarter, 1% on all other purchases, and an automatic Cashback Match at the end of year one. Non-rewards benefits include free FICO score monitoring, dark web SSN alerts, $0 fraud liability, no annual fee, no foreign transaction fees, and a first late payment fee waiver. The card has no travel insurance, rental car coverage, or purchase protection — Discover removed all protection programs in 2018.