Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

• +No annual fee for a secured card with rewards
• +5% cash back on rotating categories after activation
• +First-year cash back match doubles all rewards
• +No foreign transaction fees
• +Can graduate to unsecured card after 7 months

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard

Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

• +No annual fee for a secured card with rewards
• +5% cash back on rotating categories after activation
• +First-year cash back match doubles all rewards
• +No foreign transaction fees
• +Can graduate to unsecured card after 7 months

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard

Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

• +No annual fee for a secured card with rewards
• +5% cash back on rotating categories after activation
• +First-year cash back match doubles all rewards
• +No foreign transaction fees
• +Can graduate to unsecured card after 7 months

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard