DiscoverEditor's ChoiceBest for Building credit
Discover it® Secured Credit Card
Annual Fee
$0
Rewards Rate
1%-2%
Intro Offer
Cashback Match
Regular APR
28.24% Variable
Discover it® Secured Credit Card
Discover it® Secured Credit Card
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Our take
One of the few secured cards that earns rewards. Refundable deposit. Graduates to unsecured. Cashback Match in first year.
Highlights
What we like
Earns rewards while building credit
Cashback Match first year
The trade-off
Requires refundable security deposit
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1%-2% |
| Rewards type | Cash back |
| Bonus categories | 2% on gas2% on dining |
| Welcome offer | Cashback Match |
| Offer requirements | All cash back matched at end of first year |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | N/A |
| Ongoing APR | 28.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 300-669 |
Frequently asked questions
What credit score do I need?
This card typically requires a 300-669 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
All cash back matched at end of first year
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Discover it® Secured Credit Card