Discover it® Secured
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- Intro Bonus
- Cashback Match™ Intro Offer: Unlimited Cashback Match - 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. Just a dollar-for-dollar match.
- Reward Rates
- 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- 1% Earn unlimited 1% cash back on all other purchases – automatically.
- Balance Transfers Intro APR
- 10.99% for 6 months
- Purchases Intro APR
- N/A
- Regular APR
- 22.99% Variable
- Annual Fee
- $0
Highlights
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 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. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- Intro Offer: Unlimited Cashback Match - 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. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Features
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Cash Back
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EMV
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Free Credit Score
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Gas
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Mobile Pay Ready
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No Annual Fee
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No Credit History
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No Foreign Transaction Fees
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Poor Credit
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Price Protection
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Rewards
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Secured credit card
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Zero Fraud Liability
Staff Review
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Editor's Rating:
4.1 out of 5 |
Our take: The Discover it Secured is one of your best bets for building credit – it doesn’t charge an annual fee, plus you can make a profit in the first year thanks to the card’s cash back program. |
All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information,
including card rates and fees, presented in the review is accurate as of the date of the review.