THE CARDTUNED DATABASE
Discover it Secured Cash Back
Issuer: Discover
5% cash back in rotating everyday purchase categories each quarter up to the quarterly maximum after activation; 1% on all other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Unlimited first-year Cashback Match; no purchase minimum for the match
- Spending requirement
- No minimum spend requirement
- Time window
- First cardmember year
Offer last checked: 2026-09-27
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | cash back in rotating everyday purchase categories each quarter up to the quarterly maximum after activation Issuer's quarterly maximum; activation required. Deposit $49/$99/$200 according to creditworthiness; initial line $200. Deposit is due within 35 days. Approval is not guaranteed. Activation required |
| Other purchases | 1% | on all other purchases 1% on other eligible purchases Deposit $49/$99/$200 according to creditworthiness; initial line $200. Deposit is due within 35 days. Approval is not guaranteed. Activation not required |
Additional benefits
• Secured-card structure can support credit building with responsible use.
Restrictions to know
Required refundable deposit is $49, $99 or $200 based on creditworthiness; initial line starts at $200. Deposit due within 35 days of approval. Quarterly 5% categories require activation and are subject to the issuer's quarterly maximum; other purchases earn 1%.
Who can apply
Official product page currently provides a preapproval route. No credit score is required to apply, but underwriting applies and approval can be declined; individual offer availability is not guaranteed.
Credit profile: No credit score required to apply; secured-card underwriting applies