Updated
Discover Card with ITIN: How to Apply (2026)
Does Discover Accept ITIN Holders for the Secured Card?
Yes. Discover accepts ITINs for the Discover it Secured Credit Card. The online application includes an ITIN entry field. Federal law under the Equal Credit Opportunity Act (15 USC 1691) prohibits credit discrimination based on national origin, so Discover treats ITIN-based applications under the same underwriting standards used for SSN applications.
What Are the Features of the Discover it Secured Card?
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Security deposit | $200 to $2,500 |
| Credit limit | Equal to deposit |
| Cashback (gas + dining) | 2% on up to $1,000/quarter |
| Cashback (everything else) | 1% |
| First-year Cashback Match | Yes (unlimited) |
| Credit bureaus | All 3 |
| Foreign transaction fee | $0 |
| Graduation review | Starts month 7, monthly |
What Do You Need to Apply for Discover it Secured with an ITIN?
- Valid ITIN— your 9-digit IRS-issued ITIN.
- US mailing address— required for card delivery and statements.
- Valid passport or government-issued photo ID.
- US bank account— for the security deposit (ACH transfer). Open an ITIN bank account first if needed.
- Income information— employment status and annual income.
How Do You Apply for the Discover it Secured Card with Your ITIN?
- Visit discover.com/credit-cards/secured. Click Apply Now.
- Enter personal information. Name (matching your passport), date of birth, US mailing address, and ITIN as your tax ID.
- Enter income and employment. Annual income, employer, and housing payment.
- Choose your deposit. $200 to $2,500. Higher deposits give a higher credit limit and lower utilization for faster score building.
- Submit the application. Most decisions are instant. Income verification or ITIN documentation takes 7 to 10 business days.
- Fund the deposit. Discover charges the deposit from your linked bank account once approved.
- Receive and activate the card. Cards ship in 7 to 10 business days. Activate online or via the Discover mobile app.
How Does Discover it Secured Compare to Other ITIN Credit Cards?
Discover sits in the middle of the deposit range ($200 minimum) but wins on rewards. Bank of America Customized Cash Rewards Secured offers higher 3% cashback in a category you pick but requires a $300 deposit. Capital One Platinum Secured offers a lower $49 deposit but no rewards. For a full ranking of every ITIN credit card, see the ITIN credit cards compared guide.
After 12 to 18 months of on-time payments, Discover automatically graduates you to an unsecured Discover card and returns your deposit. This makes Discover an ideal long-term card to keep open for credit-history age. For the full credit-building roadmap, read the build credit with ITIN guide.
Frequently Asked Questions About Discover Card with ITIN
Need an ITIN to apply for Discover? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.