Discover it Secured

Credit builder that actually rewards you

Cashback Match (unlimited, year 1)

Welcome offer

Annual fee

Fair

Credit needed

Apply at Discover → You'll be taken directly to Discover's application page.

Discover

it Secured

•••• •••• •••• ••••

The honest take

Most secured cards are a punishment. This one earns cash back, matches it in year one, and Discover automatically reviews your account for graduation to an unsecured card — meaning you can get your deposit back without cancelling.

Rewards, by the numbers

2% at gas & restaurants (up to $1,000 combined/qtr), 1% everywhere else

Gas & transit

Dining & restaurants

All other purchases

Groceries

Travel

Streaming services

Drugstores

The specs

Annual fee

None

Welcome bonus

Cashback Match (unlimited, year 1)

Welcome spend requirement

earned via normal spending

Credit tier needed

Fair

Intro APR offer

None

Card type

Credit builder

Is this card for you?

→ Good fit if

People building or rebuilding credit history

→ Skip it if

Anyone with already-strong credit who could qualify for better rewards

Think this one's a fit?

Applications go directly to Discover. CardRank is not a lender and does not see your personal information.

Apply at Discover →