Discover it Student Cash Back
discover
4.4 / 5
- Welcome
- No welcome bonus
- Annual fee
- $0
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Discover
Discover it Secured
Discover · discover it
Discover it Secured Credit Card
4.5 / 5
Discover Cashback Bonus · Personal card
Applications are paused as of June 2026 while Capital One integrates Discover onto its own platform, so you cannot apply for this card right now. Existing cardholders still get real cash-back categories instead of the zero rewards most secured cards offer, though the once-guaranteed 7-month graduation review is now on an unscheduled periodic basis.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 26.49%
- No intro APR
- FX fee
- None
Editorial
Our take
Applications are paused as of June 2026 while Capital One integrates Discover onto its own platform, so you cannot apply for this card right now. Existing cardholders still get real cash-back categories instead of the zero rewards most secured cards offer, though the once-guaranteed 7-month graduation review is now on an unscheduled periodic basis.
Verdict
Pros & cons
Pros
- Cashback Match doubles year-one earnings
- No annual fee
- Real rewards categories rather than zero
Cons
- Not currently accepting new applications (paused since June 2, 2026)
- Requires a refundable security deposit
- High ongoing APR at 26.49% variable
- Graduation review timeline is no longer fixed or predictable
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Gas & restaurants | 2% | On combined purchases each quarter, then 1%.·cap $1,000 |
| All other purchases | 1% |
Benefits
Key benefits
Applications paused
Discover has paused new applications for this card since June 2, 2026 while Capital One integrates it onto its own platform. A relaunch is promised for later in 2026 but not yet confirmed.
Cashback Match year one
Discover automatically doubles all the cash back you earn in your first 12 months.
Periodic reviews toward an unsecured card
Capital One is retiring the fixed seven-month automatic review in favor of periodic reviews on no set schedule that can return your deposit and graduate you to an unsecured card.
Free FICO score
Track your credit score every month at no extra cost through the Discover app.
Fit
Who this is best for
- First-time cardholders without a credit history
- People rebuilding after a credit setback
- Anyone who wants a fee-free secured card with rewards
FAQ
Frequently asked questions
What is the Discover it Secured welcome bonus?
Cashback Match for the first year. Discover automatically doubles all cash back earned at the end of your first year.
Does the Discover it Secured charge an annual fee?
No. The Discover it Secured has a $0 annual fee.
Does the Discover it Secured have a foreign transaction fee?
No. The Discover it Secured charges no foreign transaction fee, so it works well for international purchases.
What APR does the Discover it Secured charge?
The purchase APR is 26.49% variable.
Who is the Discover it Secured best for?
First-time cardholders without a credit history. People rebuilding after a credit setback. Anyone who wants a fee-free secured card with rewards.
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Discover it Secured Credit Card
No spend requirement
Rates accurate as of October 6, 2026. Issuer terms.