Discover It® Secured Credit Card Review
Build your credit faster and enjoy up to 2% cashback with no annual fees—Discover’s secured card makes it simple and rewarding.
Discover it® Secured Card – Key Highlights
Build credit with all 3 major bureaus (Equifax, Experian, TransUnion)
$0 annual fee – save money every year
Refundable deposit starts from $200
2% cashback at gas stations & restaurants (up to $1,000/quarter)
1% unlimited cashback on all other purchases
Free Social Security number alerts
Automatic reviews after 7 months for upgrade
2X Cashback Match at the end of the first year (no limit)
Compare Card Designs That Match Your Style
Discover offers multiple color options for the It® Secured Card, letting you choose the design that fits your personality. Whether you prefer sleek charcoal, elegant gold, or bold burgundy, there’s a look for everyone.
Why We Recommend This Card?
Why We Recommend the Discover It® Secured Card
🛡️Refundable Deposit Helps Reduce Risk
Start building credit with a refundable security deposit starting at just $200—accessible and low-risk for beginners.
💸 Cashback on Everyday Purchases
Get 2% cashback at gas stations and restaurants (up to $1,000/quarter), plus unlimited 1% everywhere else.
🔄 Automatic Upgrade After 7 Months
Discover reviews your account after 7 months and may upgrade you to an unsecured card automatically.
💼 $0 Annual Fee Forever
Save more every year—this card charges no annual fee, ever.
🎁 Double Cashback Match
Discover will match all cashback you earned at the end of your first year—dollar for dollar.
Discover It® Secured Card – Full Feature Breakdown
🏷️ Welcome Offer
Discover matches all cashback earned at the end of your first year — no limit.
🔒 Security Deposit
Refundable, starting at $200 — helps reduce lender risk.
🔄 Upgrade Option
Automatic review after 7 months — may be upgraded to unsecured card.
🎁 Extra Benefits
Free Social Security alerts, mobile app, 100% U.S. customer service.
💳 Annual Fee
$0 — you pay nothing to keep this card active.
💰 Cashback Rewards
2% at gas stations & restaurants (up to $1,000/quarter), 1% elsewhere.
🧾 Credit Reporting
Reports to Equifax, Experian, and TransUnion — builds score fast.
🛡️ Fraud Protection
Get real-time alerts and $0 fraud liability on unauthorized purchases.
Frequently Asked Questions About Discover It® Secured Card
What is the minimum deposit for the Discover It® Secured Card?
The minimum refundable deposit is $200. This amount sets your credit limit and helps reduce lender risk.
IDoes the Discover It® Secured Card charge an annual fee?
No, there is absolutely $0 annual fee — helping you save money every year.
Can I upgrade this card to an unsecured card?
Yes, Discover automatically reviews your account after 7 months and may offer an upgrade with responsible use.
Does Discover report to credit bureaus?
Yes. Discover reports to all three major credit bureaus (Equifax, Experian, and TransUnion) — helping build your credit faster.
Is the cashback on this card real?
Yes. You earn 2% cashback at gas stations and restaurants (up to $1,000/quarter), and unlimited 1% on all other purchases.
Final Verdict – Is Discover It® Secured Card Worth It?
Absolutely — the Discover It® Secured Card is one of the best secured credit cards for beginners. With no annual fee, cashback on every purchase, and automatic upgrade options, it offers more value than most competitors. Plus, your deposit is refundable — making it a safe way to build credit fast.
