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Discover it Secured Cash Back Credit Card

Discover it Secured Cash Back Credit Card card art

Estimated value every year on typical spending

$312/ year

Every year, after the annual fee. No welcome bonus.

+$312rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Discover

Is it worth it?

With no annual fee, the Discover it Secured Cash Back Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

The fine print

Intro APR
Not applicable
Regular APR
Not listed
Foreign fee
None
Top perk
$0 Fraud Liability
Approval
Built for no / limited credit
Redeem for
Travel portal · Airline & hotel transfers · Statement credit · Gift cards

Rewards

  • 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

Sign-up bonus

Unlimited Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.

Best for

  • Keeping costs at $0

Not ideal for

  • Maximizers chasing category bonuses

Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
Not applicable
Regular APR
Not listed
Balance transfer fee
None
  • $1200/mo on everyday spending earns about $144/year (1x).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Discover it Secured Cash Back Credit Card: questions people ask

Is the Discover it Secured Cash Back Credit Card worth it?

With no annual fee, the Discover it Secured Cash Back Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

What is the Discover it Secured Cash Back Credit Card annual fee?

The Discover it Secured Cash Back Credit Card has no annual fee ($0).

What is the Discover it Secured Cash Back Credit Card welcome bonus?

Unlimited Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Discover it Secured Cash Back Credit Card earn?

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.

What credit score do you need for the Discover it Secured Cash Back Credit Card?

The issuer doesn't say; we'd class it as: built for no / limited credit. Checking your matches on CardFit never runs a credit check.

Does the Discover it Secured Cash Back Credit Card charge foreign transaction fees?

No. The Discover it Secured Cash Back Credit Card has no foreign transaction fee.

Compare Discover it Secured Cash Back Credit Card

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Discover product page. Terms change often; confirm them with the issuer before you apply.