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- Intro Bonus
- Cashback Match™ We automatically match all the cash back you've earned at the end of your first year.
- 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
- Regular APR
- 22.99% Variable
- Annual Fee
- 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: We automatically match all the cash back you've earned at the end of your first year.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
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.