Frustrated by cards that skip rewards if you're building credit?
Discover it® Secured Credit Card: Build Credit and Earn Cash Back with No
Establishing or rebuilding credit doesn’t have to mean missing out on benefits. The Discover it® Secured Credit Card lets you build a positive payment history while still earning rewards.
Get a credit line equal to your deposit, earn cash back, and enjoy automatic upgrade reviews starting at month seven—plus, you can get your deposit back.
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When applying, you provide a refundable security deposit starting at $200. Your credit limit will match your deposit. After at least 7 months of responsible usage, Discover begins automatic monthly reviews for a possible upgrade and deposit return.
You earn 2% cash back at gas stations and restaurants (on up to $1,000 per quarter) and unlimited 1% cash back on all other purchases. All cash back is yours even while building credit.
Discover begins automatic upgrade reviews at the seventh month. If you’ve made on-time payments and maintained good status, you could get your deposit back and transition to an unsecured card.
No, the Discover it® Secured Credit Card does not charge an annual fee—so you can focus your budget on paying on time and building your credit history.
Yes, Discover reports your account activity to all three major credit bureaus, helping you build or rebuild your credit history with responsible card use and payments.
A secured credit card requires a refundable security deposit that serves as your credit limit. Used responsibly, it helps you establish or rebuild credit without incurring long-term debt.
You fund your secured card with a deposit, usually equal to your credit line. If you pay off your balance and close the account or qualify for upgrade, your deposit is refunded.
Credit building depends on your history, but many see improvement within months. With Discover, upgrade reviews start at seven months, making timely payments and low balances essential for progress.
