Discover
Discover it Secured Credit Card Review
People building or rebuilding credit who still want to earn cash back
Updated for 2026
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See how to apply →Overview
The Discover it Secured is a deposit-backed card that helps people build or rebuild credit while still earning cash back, with no annual fee and the first-year Cashback Match. It reports to all three bureaus and reviews accounts automatically for a possible transition to an unsecured card. Approval is never guaranteed.
| Annual fee | $0 |
|---|---|
| Regular APR | Varies — confirm on issuer site |
| Welcome bonus | Cashback Match — Discover automatically matches all the cash back you earn at the end of your first year, with no cap |
| Rewards | 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%), and 1% on all other purchases |
| Recommended credit | No credit score required — designed for building or rebuilding credit |
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Pros & cons
Pros
- No annual fee, and it earns cash back plus the first-year Cashback Match — rare for a secured card
- No credit history required to apply, and it reports to all three major credit bureaus
- Automatic account reviews can lead to transitioning to an unsecured card and a refunded deposit
Cons
- Requires an upfront refundable security deposit to open
- High regular variable APR, so carrying a balance is expensive
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.