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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

There is no welcome offer on this card.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

2% cashback at gas and restaurants up to $1,000 each quarter

1% cashback everywhere else

All cashback earned the first year is matched

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

The Discover It Secured card is overall the best-Secured Credit card. But it can be somewhat difficult to get approved if you have negative marks on your credit report. The card can mature to an unsecured card after 8 months of on-time payments

Card-Smart Tips & Advice
  • Credit: Secured credit card - no credit needed
  • Max cards: Discover will only approve you for one card every 12 months, and they only allow a total of 2 open Discover credit cards
  • Credit bureau: Discover will usually pull your Experian credit report. If you freeze your Experian credit report then Discover will be glad to pull from either TransUnion or Equifax.
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Discover will only approve you for one credit card application within every twelve months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can check your application status  here  or call 1 800 347 2683
  • Reconsideration: No reconsideration line
  • Quickest way to get my card: Discover will not offer an instant credit card number for your new card, and physical Discover credit cards cannot be expedited and will arrive after 5-7 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

67% Approved
523 Avg. Score of those approved
33% Denied
Approved 67% (6)
Denied 33% (3)

Credit limit range $200-$2,500

Avg. Credit limit$1,617

Approved 67% (6)
Denied 33% (3)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Card Details And Benefits

Compare Secured Cards

Annual fee Minimum Deposit Rewards Perks
Discover It Secured $0 $200  Earn 2% cashback on gas and restaurants on up to $1,000 spent each quarter. Unlimited 1% cash back everywhere else. Plus, all cashback earned the first year will be matched. No foreign transaction fees, free Fico score
Capital One Secured $0 $49, $99 or $200 (the final amount will be determined by Capital One after submitting your application) No rewards on any purchases No foreign transaction fees, auto rental collision waiver, purchase protection, extended warranty protection 
Bank of America Secured Card $0 $300 No rewards an any purchases Free Fico score
Citi Secured MasterCard  $0 $200 No rewards an all purchases Citi Identity theft solutions
TD Bank Secured $29 $300 Earn 1% cashback on all purchases Instant Credit Card replacement

Additional Resources 

Get Started Card not affiliated
Add to compare

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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