Discover it Secured Cash Back Credit Card review: Earn cash back while building your credit history

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure . Discover it Secured Cash Back Credit Card review: Earn cash back while building your credit history D Dori Zinn · Contributing writer Tue, August 18, 2026 at 2:42 PM EDT 4 min read 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 Learn more Discover it Secured Cash Back Credit Card Annual fee $0 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 Purchase APR See issuer site for current APR Recommended credit score No credit score required 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 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: 5% cash back on everyday purchases in rotating quarterly categories (up to the quarterly limit) 1% unlimited cash back on all o…