Discover
Discover it® Secured Credit Card
Cash back only
Annual fee
No annual fee
Welcome bonus
Unlimited Cashback Match — Discover matches all cash back earned in year one
Min spend
N/A
Recommended credit
New or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
2% cash back at gas stations and restaurants (on up to $1,000 in combined spend each quarter), then 1%
1% cash back on all other purchases
Cashback Match: Discover matches all the cash back you earn in your first year
Features & benefits
Refundable security deposit from $200 sets your credit limit
Automatic reviews starting at 7 months to graduate to an unsecured card and refund your deposit
No annual fee; reports to all three credit bureaus
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Discover it® Secured Credit Card lands.
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