Discover it Secured
The rare secured card that earns real rewards and doubles them in year one.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
None
required (building credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xGas stations and restaurants ($1,000 quarterly cap)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cashback Match doubles all year-one earnings
- ✦Automatic account reviews starting at 7 months for graduation to unsecured
- ✦Reports to all three credit bureaus
- ✦Refundable deposit from $200
Why it earns its spot
- +2% gas and dining is unheard of on a secured card
- +Clear, automatic graduation path
- +No annual fee and no FTF
Where it costs you
- −Discover acceptance abroad is weak
- −$200 minimum deposit ties up cash
The Compound Verdict
The best secured card in the market. It earns like a real rewards card, doubles everything in year one, and Discover reviews you for graduation automatically at 7 months. Most builders should start here.
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