Discover it® Secured credit card

Offer

No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
30 points or more-that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers-only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.

Fees & Conditions

Annual Fee $0

Earnings

Per dollar of purchases

All Spending 1

Groceries 1

Gas 1

Dining and Food delivery 1

Convenience Stores 1

Drugstores 1

Local Transport 1

Travel 1

Entertainment 1

Recurring Payments 1

Telecom/Internet 1

Streaming services 1

Online transactions 1

Office Supplies 1

Our review

Build Credit & Earn Rewards with the Discover it® Secured Credit Card

2% cash back at gas stations and restaurants on up to $1,000 in purchases per quarter; 1% back on all other spending
Unlimited Cashback Match™—Discover automatically doubles all the cash back you’ve earned at the end of your first year
$0 annual fee and no foreign transaction fees
10.99% intro APR on balance transfers for 6 months
Reports to all three major credit bureaus—build your credit history with every purchase
Automatic upgrade reviews after seven months to transition you to an unsecured card and return your deposit

Whether you’re establishing or rebuilding your credit, this secured card delivers top‑tier rewards without an annual fee. Your refundable security deposit (starting at $200) determines your credit line. Earn cash back, monitor your credit score, receive dark‑web alerts and track everything easily in Discover’s app—plus enjoy a clear path to upgrade when you’re ready.

Terms apply. Security deposit required. Intro APR applies to balance transfers made within the first 4 months. See Discover for full details.

Advertiser disclosure

Discover it^® Secured credit card

Offer

Fees & Conditions

Earnings

Our review