Discover it Secured
By Alex Compton · Last verified
The rare secured card that earns real rewards and doubles them in year one.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xGas stations and restaurants ($1,000 quarterly cap)
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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