Discover it Secured Cash Back
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 2x | on the first $1,000/quarter |
| Dining | 2x | on the first $1,000/quarter |
| Everything else | 1x | uncapped |
See how it ranks: best gas cards · best dining cards.
Non-cash perks
- No credit score required to apply (issuer may use one if available)
- Refundable security deposit as low as $49 (deposit is $49, $99, or $200 depending on creditworthiness) unlocks a credit line starting at $200
- Automatic account review for upgrade to unsecured Discover it Cash Back with deposit refunded, based on responsible use
- $0 fraud liability on unauthorized purchases
- Free Social Security number dark-web alerts via CreditWise
- Freeze/unfreeze account instantly via app or site
- Free FICO Score 8 via CreditWise
- 24/7 human customer service (some specialized lines excluded)
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- A heavy gas spender. The 2x on gas stops after $1,000 of it per quarter. Past that the same purchases earn its base 1x, so the headline rate describes the first $1,000 only.
More from Discover
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-08 against issuer terms · sources: www.discover.com · www.nerdwallet.com · thepointsguy.com. Spot an error? Tell us.