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- No Annual Fee, earn cash back, and build your credit with responsible use.
- It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
- Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We automatically match all the cash back you’ve earned at the end of your first year.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- View Rates and Fees
Rates, fees & offers
- Annual fee$0
- Rewards rate1.00%
- Bonus offerDiscover will automatically match all the cash back you’ve earned at the end of your first year.
- Intro APR10.99% on Balance Transfers for 6 months
- Ongoing APRAPR: 25.24% Variable APRCash Advance APR: 27.24%, Variable
- Balance transfer fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
- Foreign transaction feeNone