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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.

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 other purchases

You'll only earn the 5% rewards in eligible bonus categories after you activate each quarter.

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.

As a new cardmember, you'll also get an unlimited dollar-for-dollar match on all the cash back you earn by the end of your first year.

You can redeem your rewards a few different ways, including:

Statement credit to your account

Mailed check

Toward previous purchases

Gift cards

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.

You'll also get:

Free access to your FICO credit score

Reports to the major credit bureaus

$0 fraud liability guarantee, ensuring that you don't have to pay for unauthorized purchases

Fraudulent activity checks and online privacy protection

Free alerts to let you know if your Social Security Number is used on the Dark Web

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 Discover itยฎ Cash Back, offers the same rotating quarterly 5% rewards without the need for a security deposit.

Cash-back rewards

No annual fee

Reports to the major credit bureaus

No hard credit check for pre-approval

Refundable deposit after upgrading to an unsecured card

High APR

Less retailer acceptance compared to Visa and Mastercard

Late payment and returned payment fees up to $41 each

You can use the Discover It Secured Cash Back Credit Card wherever Discover is accepted, which is about 99% of merchants across the U.S.

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

Phone: To make a payment over the phone, call the number on the back of your card or 1-800-347-2683.

By mail: 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.

Discover is now part of Capital One; to reach Discover through the mail, you can send general inquiries to:

Capital One

P.O. Box 71083

Charlotte, NC 28272

You might find more specialized contact information based on your location and needs by logging into your Discover account.

Check out the options below, and review our list of the best secured cards of 2026.ย 

OpenSky Secured Visa review: No credit check required for this secured card

Capital One Platinum Secured Credit Card review: Build credit with no annual fee

Related: Secured vs. unsecured credit cards: What's the difference?

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

Maximize your rewards on a variety of spending categories throughout the year with the Discover it Cash Back credit card.

There's no credit score required to get this valuable cash-back student card.

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.

Discover offers an appealing range of credit cards if you want no annual fees, generous welcome offers, valuable rewards rates, and 0% intro APR offers.

The Capital One Quicksilver Secured Cash Rewards Credit Card is one of our top picks for improving your credit score.

Use these tips to start building credit with your secured credit card.