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

<source media="(prefers-color-scheme: dark)" srcset="https://s.yimg.com/lo/mysterio/api/DA11DDA6DB8B212DCFACEBE3A7E671060228AEDEA7631C5D346D676C692A961F/subgraphmysterio/resizefill_w232_h48;quality_100;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2020-12%2F06d229b0-35a3-11eb-b7ed-2fef9ccc0bf2"> <img src="https://s.yimg.com/lo/mysterio/api/379929C37175CC3858FD8030E180ECF031F340A2D42672C252090B0364F0FBD0/subgraphmysterio/resizefill_w232_h48;quality_100;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2020-12%2Fe70e9a00-35a2-11eb-bdfd-3f73c982ffa9" alt="Yahoo Personal Finance" class="provider-logo" loading="lazy" width="116" height="24" fetchpriority="auto"></picture> </div> <div class="cover-headline yf-1wlntij"><h1 class="cover-title yf-1wlntij">Discover it Secured Cash Back Credit Card review: Earn cash back while building your credit history</h1> <label data-testid="typography" class=" type-ui-xxl-reg yf-gjjls9"> </label></div></div> <div class="byline yf-1t4uimj"><div class="byline-attr yf-1t4uimj"><div class="byline-attr-author yf-1t4uimj"><div class="byline-attr-author-list yf-1t4uimj"><div class="byline-attr-logo yf-1t4uimj"> </div> <div class="byline-attr-name"> <span class="byline-attr-meta-separator yf-1t4uimj" data-svelte-h="svelte-1yy7aps">·</span> Contributing writer</div> </div></div> <div class="byline-attr-time-style"> <time class="byline-attr-meta-time" datetime="2026-08-18T18:42:08+00:00" data-timestamp="2026-08-18T18:42:08+00:00">Tue, August 18, 2026 at 11:42 AM PDT</time> <span class="byline-attr-mins-read yf-1pgkgts hasSquareSeparator">4 min read</span> </div></div> <div><span class="share-dialog yf-15uzx9j"><div class="menuContainer yf-1uspju" style=" " role="presentation"> <button class="tertiary-btn fin-size-medium menuBtn tw-p-1 rounded highlightWhenExpanded yf-7mptsx" data-ylk="elmt:menu;itc:1;elm:btn;sec:consolidated-share-popup;slk:share-menu-open" data-yga="{"yLinkElementType":"menu","yLinkElement":"btn","yModuleName":"consolidated-share-popup","yLinkText":"share-menu-open"}" aria-haspopup="true" aria-controls="menu-lnvab90v" tabindex="0" title="Share links" data-testid="share-link" dialogAlignLeftValue="-300px" dialogAlignTopValue="40px" aria-label="Share links"> <div aria-hidden="true" class="icon fin-icon primary-icn sz-x-large yf-15ilbqr" data-icon-type="ios-share" data-testid="desktop-share-icon"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="m16 5-1.42 1.42-1.59-1.59V16h-1.98V4.83L9.42 6.42 8 5l4-4zm4 5v11c0 1.1-.9 2-2 2H6a2 2 0 0 1-2-2V10c0-1.11.89-2 2-2h3v2H6v11h12V10h-3V8h3a2 2 0 0 1 2 2"/></svg> </div> </button> <div class="dialog-container menu-surface-dialog modal tw-hidden yf-1uspju" id="menu-lnvab90v" aria-hidden aria-label=""></div> </div></span> <span class="mweb-share-dialog yf-15uzx9j"> <button class="icon2-btn fin-size-medium rounded highlightWhenExpanded yf-7mptsx" data-ylk="elm:share;itc:1;sec:consolidated-share-popup;slk:share-menu-open" data-yga="{"yLinkElement":"share","yModuleName":"consolidated-share-popup","yLinkText":"share-menu-open"}" data-icon-type="ios-share" title="Share Links" aria-label="Share Links" data-testid="mobile-share-button"><div aria-hidden="true" class="icon fin-icon inherit-icn sz-large yf-15ilbqr"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="m16 5-1.42 1.42-1.59-1.59V16h-1.98V4.83L9.42 6.42 8 5l4-4zm4 5v11c0 1.1-.9 2-2 2H6a2 2 0 0 1-2-2V10c0-1.11.89-2 2-2h3v2H6v11h12V10h-3V8h3a2 2 0 0 1 2 2"/></svg> </div> </button></span></div> </div></div> <div class="body-wrap yf-1pcsb1w"><div class="article-wrap yf-1pcsb1w"><div class="body yf-v6n2s3" data-testid="article-body"> <div class="bodyItems-wrapper"> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;">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.

You can earn 5% cash back with this card when you shop in eligible categories. Bonus categories rotate quarterly, but generally focus on everyday spending. Some examples of previous bonus categories include gas stations, grocery stores, restaurants, select streaming services, and more.

Outside of those categories, you can use your card anywhere Discover is accepted to earn 1% cash back on everything else. Discover is accepted at 99% of merchants nationwide.

If you're trying to build credit, the Discover it Secured Cash Back card offers some benefits as a secured card. You can qualify for a credit line of $200 with a security deposit as low as $49. Over time as you use your card responsibly, you may be eligible for credit line increases with no additional deposit. You can even earn your security deposit back and qualify to upgrade to the unsecured version of the card.

The Discover It Secured Cash Back Credit Card is best for people with no credit history. This card can help you build and prove responsible creditworthiness while you earn cash-back rewards on your everyday purchases.

If you don't qualify for a traditional credit card and need a secured card to start your credit journey, the Discover It Secured Cash Back Credit Card is a fantastic option.

If you can already qualify for traditional credit cards, you may want to skip the Discover It Secured Cash Back Credit Card. The unsecured version of this card, the , offers the same rotating quarterly 5% rewards without the need for a security deposit.

<strong>Online: </strong>You can make payments on your Discover It Secured Cash Back Credit Card or through the mobile app.

<strong>By mail: </strong>Where you mail your payment depends on your current address. There are four payment addresses throughout the U.S. so make sure your payment is received at the right location by checking your most recent bank statement.

Discover has live agents available 24/7 over the phone by calling 1-800-347-2683. You can also message a U.S.-based agent through your online account, which is also available 24/7.

You might find more specialized contact information based on your location and needs by .

Check out the options below, and review our list of the . 

<em>This article was edited by </em>

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The best secured credit cards report to the three major credit bureaus, have no annual fees, and provide valuable rewards in the form of points or cash back.