Discover it Secured
Discover
Discover it Secured
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$50
Base score: 18
Current $50 vs typical $50
Net value after annual fee: ~$50
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Credit Score
Fair credit recommended
Secured card — requires a refundable security deposit ($200 minimum). No credit score required.
Discover it Secured
Welcome Offer
Cashback Match: Discover matches all cash back earned in your first year. No credit score required — build credit with responsible use.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Discover 2-card limit
Discover appears to allow a maximum of 2 credit cards per person, with a 12-month wait between new card approvals.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Restaurants
2%
Up to $1,000 combined with gas per quarter
Gas stations
2%
Up to $1,000 combined with dining per quarter
All other purchases
1%
Key benefits
2% dining & gas
Earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
1% everything else
Earn 1% cash back on all other purchases.
Cashback Match
Discover matches all the cash back you earn at the end of your first year.
Perks
No annual fee
$0 annual fee.
Free FICO score
Access your FICO credit score for free on monthly statements.
Automatic upgrade review
Discover reviews your account starting at 7 months for potential upgrade to an unsecured card.
Good fit for
About this card
The Discover Discover it Secured is a general rewards card with no annual fee. New cardholders can earn 1 cashback match (1:1 year-end match).
Best for
credit card beginners
Key considerations
No annual fee makes this easy to keep long-term.
Card analysis
Offer analysis
The current offer on the Discover it Secured awards 1 cashback match (1:1 year-end match) after spending $0 within 365 days of account opening.
Annual fee value
The Discover it Secured has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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