Discover it^® Secured Cash Back Review

Last Updated on October 20, 2026

Offer Rating

5/ 5

By Our Content Team

This card offers a secure and reliable way to build or rebuild your credit while enjoying cash back rewards. With the opportunity to graduate to an unsecured card, it's an excellent tool for those looking to establish a strong financial foundation.

Editor

5.0

CompareCredit Score

Current Offer
Discover will automatically match all the cash back you’ve earned at the end of your first year

on Capital One's secure site

Welcome OfferDiscover will automatically match all the cash back you’ve earned at the end of your first year
Rewards RateEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Extra PerksRedeem cash back for any amount and pay no annual fee.
Annual Fee$0
Credit Score NeededBad, Limited
Card BrandDiscover

Product Details

Select to apply online
Refundable deposits as low as $49 unlock credit lines starting at $200.* No credit score required to apply.**
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Smart habits, like making on-time payments, can help you build credit with responsible use***
When you establish a positive track record, you'll earn your deposit back and upgrade to the Discover it Cash Back Credit Card.
Redeem cash back for any amount. No annual or hidden fees

With $0 Fraud Liability you’re never responsible for unauthorized purchases on your Discover Card
Terms and conditions apply.
* Deposit amount will be $49, $99, or $200 based on creditworthiness. Upon qualification, your security deposit will be returned and your account unsecured. All other card terms and features will remain the same.
** Capital One may use credit scores if available.
*** Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit

Select to apply online
Refundable deposits as low as $49 unlock credit lines starting at $200.* No credit score required to apply.**
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Smart habits, like making on-time payments, can help you build credit with responsible use***
When you establish a positive track record, you'll earn your deposit back and upgrade to the Discover it Cash Back Credit Card.
Redeem cash back for any amount. No annual or hidden fees

With $0 Fraud Liability you’re never responsible for unauthorized purchases on your Discover Card
Terms and conditions apply.
* Deposit amount will be $49, $99, or $200 based on creditworthiness. Upon qualification, your security deposit will be returned and your account unsecured. All other card terms and features will remain the same.
** Capital One may use credit scores if available.
*** Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

5/ 5

By Our Content Team

Key Benefit

Earn cash back on every purchase while you build your credit, with no annual or hidden fees

If you are new to credit or trying to rebuild your credit score, a secured credit card is often a good place to start. Secured cards work just like normal credit cards, but you have to put down a security deposit in order to get approved. As you use your card to make purchases and pay them off on time, your credit score could improve. And when you establish a positive track record with the Discover it^® Secured Cash Back card, you'll earn your deposit back.

For anyone in the market for a secured credit card, Discover it^® Secured Cash Back is an excellent option. What really makes this card stand out among other secured cards is that it comes with a cash back rewards program. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. On top of that, Discover will automatically match all the cash back you’ve earned at the end of your first year.

It's rare to find a rewards program on a card for people who are new to credit or rebuilding credit, so if you're looking to earn cash back on purchases while you build credit, the Discover it^® Secured Cash Back card is a great option. This card also comes with no annual fee, no foreign transaction fees, and $0 Fraud Liability so you’re never responsible for unauthorized purchases on your card.

Pros & Cons

Pros

One of the few cards that offers cash back for those who are new to credit or rebuilding credit
Discover will automatically match all the cash back you’ve earned at the end of your first year
No annual fee and no foreign transaction fees

Cons