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Discover it Secured Credit Card
This is the rare secured card that actually pays rewards: 2% at gas and restaurants (on up to $1,000 combined each quarter) and 1% elsewhere, doubled by the first-year Cashback Match, so rebuilders aren't earning nothing while they repair credit. Automatic reviews start around month 7 to graduate you to an unsecured card and refund the deposit, which beats most secured cards that trap your money indefinitely. The deposit (typically $200 minimum) and a high ~28% APR mean you should pay in full monthly. Discover's overseas acceptance is limited, so don't rely on it abroad; verify the deposit and graduation terms on Discover's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earns cash back, which is rare for a secured card
- ✓Automatic monthly reviews kick in around month 7 to move you up
- ✓The security deposit is refundable
👍 Pros
- + Carries no yearly fee
- + Earns rewards plus the Cashback Match
- + Reports to all three bureaus
👎 Cons
- – A refundable deposit is required
- – A high ongoing APR
- – Discover sees less acceptance overseas
Can you get it?
- ▸A refundable security deposit, usually $200 at minimum
- ▸A U.S. Social Security number
- ▸A bank account to cover the deposit
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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