The Discover it® Secured Credit Card is an excellent option for individuals looking to establish or rebuild their credit history. Unlike many secured cards that offer limited rewards, this card provides a competitive cash-back program, earning 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% on all other purchases. The card requires a refundable security deposit, which sets your credit limit, starting at $200. Discover also offers a unique Cashback Match program, doubling your cash back earned in the first year. With no annual fees, complimentary credit score monitoring, and features like zero fraud liability and late payment protection, this card is not only user-friendly but also beneficial for credit-building. After seven months, Discover reviews your account for potential transition to an unsecured card, making it a viable long-term option for those serious about improving their credit score.
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