Credit and Loans

Discover it® Secured Credit Card – Build Credit, Earn Rewards

Start building your credit history with cash back on every purchase

Earn cash back while building your credit responsibly

Annual Fee: $0
Rewards Rate: 2% at gas stations & restaurants (up to $1,000 quarterly), 1% on all other purchases
Intro Offer: Cashback Match – Discover matches all the cash back you’ve earned at the end of your first year
Recommended Credit Score: No credit or rebuilding credit

Discover it® Secured Credit Card

Whether you’re new to credit or rebuilding, this card gives you the tools to grow while earning valuable cash back on everyday purchases.

BUILD YOUR CREDIT HISTORY

NO ANNUAL FEE

CASHBACK MATCH BONUS

Enjoy automatic reviews starting at 7 months to see if you qualify to upgrade to an unsecured card—plus full Discover benefits along the way.

Build credit while earning up to 2% cash back with no annual fee.

More Details

How to Apply

Apply online with a refundable deposit as your credit line. Discover reports to all 3 credit bureaus to help you build credit history.

If you already have established credit, the Autograph Card offers 3X points on dining, travel, and more—without an annual fee.

Earn unlimited 3X points in top everyday categories with no annual fee.

Compare Alternatives

: Yes, the Discover it® Secured Card is a real credit card that helps you build or rebuild your credit with responsible use.
: Yes, starting at 7 months Discover will automatically review your account monthly to see if you qualify for an upgrade to an unsecured card.
: Yes, a credit check is required during the application process, but it’s designed for those new to credit or rebuilding it.