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.
2% at gas & restaurants (up to $1,000 combined/qtr), 1% everywhere else
Applications go directly to Discover. CardRank is not a lender and does not see your personal information.
Apply at Discover →A secured card requires more than checking the advertised annual fee. Understand the refundable deposit process, how the starting credit limit is set, whether the issuer reports to the major credit bureaus and when the account may be reviewed for a possible move to an unsecured product.
Treat rewards as secondary to building a reliable payment history. Account terms and eligibility can change; check the current issuer agreement rather than making a decision from any comparison site alone.
Continue: How CardRank compares offers · Secured versus unsecured cards