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You need to rebuild your credit first to qualify for a 0% APR card. The card below will speed up that process for you

Discover it® Secured card: the best credit card to rebuild your credit score (no annual fee)


This card will be your best friend in the journey to a strong credit score. With a $200 deposit, you can start using your secured credit card, and earn cashback in every purchase. The Discover it® Secured Card is a real credit card and will help you to grow a responsible credit history. They even offer a welcome bonus that doubles your cashback earned in the first year.

The benefits are outstanding for its category. Check some of them:

No annual fee;
Cashback in every purchase;
Doubles your cashback in the first year;
Report your credit history to credit bureaus, to build your credit score.

Illuminate your credit-building journey with the Discover it® Secured Credit Card! Curated for individuals aiming to nurture and grow their credit profile, this card not only supports your goals but rewards your efforts along the way.

Strengths and Special Offerings

  • Cash Back Rewards: Unlike many secured cards, the Discover it® offers cash back on purchases, making every spend feel rewarding.
  • Automatic Account Reviews: After several months, Discover will automatically review your account for potential transition to an unsecured card, streamlining your credit improvement journey.
  • No Annual Fee: Keep more of your money in your pocket with zero annual fees, enhancing the card’s overall value proposition.
  • Free FICO® Credit Score Access: Stay on top of your credit game. Monitor your FICO® credit score for free on monthly statements, mobile, or online.
  • Zero Fraud Liability: Rest easy knowing you’re never responsible for unauthorized purchases on your card.

Limitations to Consider 

  • Required Security Deposit: A security deposit is mandatory to secure your credit line. This upfront cost can be a hurdle for some individuals.
  • Potentially Low Credit Limit: The card’s credit limit is often tied to the security deposit amount, which can limit purchasing power for some users.
  • High APR: The card comes with a relatively high standard APR, so carrying a balance month-to-month could prove costly.
  • Limited Upscale Perks: If you’re looking for luxury travel perks or high-end benefits, the Discover it® Secured card might not meet those expectations.
  • International Acceptance: While Discover is growing in acceptance, it might not be as widely recognized as Visa or Mastercard when traveling abroad.

In conclusion, the Discover it® Secured Credit Card presents a fusion of credit-building potential and reward-driven spending.

While the journey to financial growth can be challenging, this card ensures you’re not walking it alone—and you’re even reaping rewards along the path.

For those poised to embark on a credit transformation, the Discover it® Secured card might just be the flashlight guiding the way.

Besides the relatively high rewards rate, you can get many other benefits, such as viewing your FICO® Credit Score for free with no harm to your credit score! Also, you can access the $0 Fraud Liability Guarantee. Plus, it is possible to get alerts on your Social Security Number to see if it’s on any Dark Web sites!

The Discover it® Secured card can be the best option for your finances if you have a low credit score. With this card, you’ll be able to build credit over time! However, it may not be worth the APR fees if you already have a good credit score because you’ll be able to find better credit card options with good credit.

Yes! You can build your credit score over time using your Discover it® Secured card responsibly. So, if you make all your monthly payments on time, Discover will send your reports to the major credit bureaus, and your score can increase!

Cartões Discover

Application for the Discover it® Secured card

This card is outstanding. Discover it® Secured card offers more than just benefits. It will help you rebuild your financial life with a healthy score. See how to apply!

And if you’re still researching different secured card options, we can still help you out! For example, you can try applying for the Citi® Secured Mastercard®, which is similar to the Discover it® Secured card.

With the Citi credit card, you’ll be able to improve your credit score if you make all your payments on time for a while. Moreover, you’ll be able to access this card’s perks for no annual fee!

Plus, you’ll be able to build your credit because it sends your payment reports monthly to all major credit bureaus!

So, if you’re more interested in learning about the Citi® Secured Mastercard®, you can read our post below! You’ll also learn all about how to apply for it and what it takes to qualify!

Citi® Secured Mastercard®

Citi® Secured Mastercard® application: how does it

Are you considering applying for the Citi® Secured Mastercard® but are unsure how it all works? This guide will take you through the process step-by-step!

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