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Card Highlights
Intro BonusIntro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
APR23.74% Variable
Recommended CreditNew/Rebuilding Credit
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee$0
Intro Purchase APRN/A
Additional Details
Intro Balance Transfer APR10.99% for 6 months
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Balance Transfer APR23.74% Variable
Late Payment FeeNone the first time you pay late. After that, up to $41.
Foreign Transaction FeesNone
Rewards & Redemption Details
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Earn unlimited 1% cash back on all other purchases – automatically.
At a glance
The Discover it® Secured Credit Card does not skimp on benefits.
There is 2% cash back at gas stations and restaurants, with a maximum of up to $1,000 in combined purchases. You receive unlimited 1% cash back on all other purchases, and with Discover’s wide acceptance, you can enjoy 99% nationwide acceptance with your card. There is also unlimited dollar-for-dollar matching for all cashback you earn in your first year of having the account, deposited into your account after 12 months. Even better, your cashback never expires. You can redeem rewards for cash at any time, or you can use them instantly at Amazon.com or with PayPal.
Discover has security benefits, too, with Dark Web tracking of your social security number. If you lose your card, there is a $0 Fraud Liability Guarantee with free overnight card replacement. To help you improve your credit score, there is credit reporting to all three major credit bureaus, so you can raise your credit score that much faster.
To get started, check to see if you pre-approved without affecting your credit. There is a minimum refundable security deposit of $200, but you may be eligible to receive your initial deposit back after an eight-month review.
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