The Discover it Secured Cash Back Credit Card doesn’t require a credit score to apply. In fact, it helps build up your credit score by offering cash-back rewards as an incentive for responsible credit behavior.
Discover it Secured Cash Back card overview
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Annual fee
$0
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Welcome offer
Discover will automatically match all the cash back you’ve earned at the end of your first year, with no minimum spending requirement or maximum rewards cap
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Purchase APR
See issuer site for current APR
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Recommended credit score
No credit score required
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Rewards rate
- 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate
- 1% cash back on all other purchases
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Benefits
- Refundable deposits as low as $49 unlock credit lines starting at $200
- Card status will be regularly reported to the three major credit bureaus
Rewards rate
The Discover It Secured Cash Back Credit Card offers good rewards, especially for a secured card:
You’ll only earn the 5% rewards in eligible bonus categories after you activate each quarter.
How to earn rewards
You can earn 5% cash back with this card when you shop in eligible categories. Bonus categories rotate quarterly, but generally focus on everyday spending. Some examples of previous bonus categories include gas stations, grocery stores, restaurants, select streaming services, and more.
Outside of those categories, you can use your card anywhere Discover is accepted to earn 1% cash back on everything else. Discover is accepted at 99% of merchants nationwide.
As a new cardmember, you’ll also get an unlimited dollar-for-dollar match on all the cash back you earn by the end of your first year.
How to redeem rewards
You can redeem your rewards a few different ways, including:
Additional benefits
If you’re trying to build credit, the Discover it Secured Cash Back card offers some benefits as a secured card. You can qualify for a credit line of $200 with a security deposit as low as $49. Over time as you use your card responsibly, you may be eligible for credit line increases with no additional deposit. You can even earn your security deposit back and qualify to upgrade to the unsecured version of the card.
You’ll also get:
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Free access to your FICO credit score
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Reports to the major credit bureaus
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$0 fraud liability guarantee, ensuring that you don’t have to pay for unauthorized purchases
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Fraudulent activity checks and online privacy protection
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Free alerts to let you know if your Social Security Number is used on the Dark Web
Who is the Discover It Secured Cash Back Credit Card best for?
The Discover It Secured Cash Back Credit Card is best for people with no credit history. This card can help you build and prove responsible creditworthiness while you earn cash-back rewards on your everyday purchases.
If you don’t qualify for a traditional credit card and need a secured card to start your credit journey, the Discover It Secured Cash Back Credit Card is a fantastic option.
If you can already qualify for traditional credit cards, you may want to skip the Discover It Secured Cash Back Credit Card. The unsecured version of this card, the Discover it® Cash Back, offers the same rotating quarterly 5% rewards without the need for a security deposit.
Discover It Secured Cash Back card pros
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Cash-back rewards
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No annual fee
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Reports to the major credit bureaus
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No hard credit check for pre-approval
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Refundable deposit after upgrading to an unsecured card
Discover It Secured Cash Back card cons
Where can you use the Discover It Secured Cash Back Credit Card?
You can use the Discover It Secured Cash Back Credit Card wherever Discover is accepted, which is about 99% of merchants across the U.S.
How to make a Discover It Secured Cash Back Credit Card payment
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Online: You can make payments on your Discover It Secured Cash Back Credit Card online or through the mobile app.
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Phone: To make a payment over the phone, call the number on the back of your card or 1-800-347-2683.
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By mail: Where you mail your payment depends on your current address. There are four payment addresses throughout the U.S. so make sure your payment is received at the right location by checking your most recent bank statement.
Discover It Secured Cash Back Credit Card customer service info
Discover has live agents available 24/7 over the phone by calling 1-800-347-2683. You can also message a U.S.-based agent through your online account, which is also available 24/7.
Discover is now part of Capital One; to reach Discover through the mail, you can send general inquiries to:
Capital One
P.O. Box 71083
Charlotte, NC 28272
You might find more specialized contact information based on your location and needs by logging into your Discover account.
Alternative cards to consider
Check out the options below, and review our list of the best secured cards of 2026.
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Rewards rate
- 5% unlimited cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 1.5% unlimited cash back on every purchase, everywhere
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Benefits
- No annual or hidden fees; see if you’re approved in seconds
- Earn back your $200 security deposit as a statement credit when you follow card best use practices, such as making payments on time
- Be automatically considered for a higher credit in six months with no additional deposit
This article was edited by Rebecca McCracken
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.