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Contents

Discover it Secured Review: Earn Rewards as You Build Credit

It’s nice to find a secured credit card with a $0 annual fee. Even better is one that offers a path to upgrade to a regular card. This one does both — and it gives you rewards, too.

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

THIS PAGE MAY BE OUT OF DATE

This page includes information about one or more products not currently available on NerdWallet:

  • Capital One® Secured Mastercard®

As a result, offers described on this page may be out of date. See our NerdWallet’s Best Credit Cards page for updated offers.

Our Take

The bottom line: When you consider the rewards, the lack of an annual fee and the opportunity for an upgrade, this is the best secured credit card we’ve seen.

Best Credit Card for Building Credit

on Discover’s website, or call (800) 347-0264

Discover it® Secured

on Discover’s website, or call (800) 347-0264

Annual Fee
Regular APR

22.99% Variable APR

Intro APR

10.99% on Balance Transfers for 6 months

See your approval odds

Quick Facts View rates and fees

  • 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 with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
Show More

Pros & Cons

Reports to the three major credit bureaus

Offers rewards and a sign-up bonus

Chance to upgrade to unsecured account after 8 months

Requires minimum deposit of $200

Discover cards not widely accepted outside the U.S.

Alternate Pick: No credit check

OpenSky® Secured Visa® Credit Card

Bad credit won’t block your application

This card doesn’t run a credit check on applicants, removing a major obstacle to getting approved. Additionally, you don’t need a checking account; you can pay your deposit and your monthly bills with a money transfer or money order. One downside: There’s an annual fee of $35.

Compare to Other Cards

Discover it® Secured

Capital One® Secured Mastercard®

Annual Fee
Annual Fee
Regular APR

22.99% Variable APR

Regular APR

26.99% Variable APR

Intro APR

10.99% on Balance Transfers for 6 months

Intro APR
Recommended Credit Score
Recommended Credit Score

Find the best credit card

Full Review

The Discover it® Secured is the world-class sidekick you want when you lack a credit history or have bad credit. As a secured card, it far exceeds credit builders’ expectations in more ways than one.

Unlike most of its competitors, this card tells you when you might be able to graduate to a regular card and get your deposit back. Starting at eight months, Discover will review your account to determine whether you’re eligible for an upgrade. The card also features rewards — which are not generally offered on secured credit cards — and an annual fee of $0 . It requires a security deposit of at least $200, but you can get that money back when you upgrade to a regular credit card or close the account in good standing.

Discover it® Secured : Basics

Security deposit: A minimum of $200. This amount determines your credit limit. Deposits can be as high as $2,500.

Bonus: Discover will automatically match all the cash back you’ve earned at the end of your first year.

Rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. All other purchases earn 1%.

APR: 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 22.99% Variable APR .

Foreign transaction fee: None.

Payments are reported to the three major credit bureaus (TransUnion, Equifax and Experian), which helps you build credit.

Discover reviews your account starting at eight months to see if you qualify for a regular credit card.

Discover doesn’t charge a late fee on the first late payment.

The issuer’s Credit Scorecard lets you track your credit score.

Free Social Security number alerts notify you when your information is found on the dark web.

An on-and-off switch, called Freeze it, allows you to block new purchases, cash advances or balance transfers from the issuer’s online portal or app. This can come in handy if your card goes missing.

Why you might want the Discover it® Secured

More value in the form of rewards. It’s rare to find a secured credit card that offers rewards. With this card, you’ll earn 2% cash back on up to $1,000 in spending per quarter on gas and restaurant purchases, and an unlimited 1% back on all other purchases. You’ll also receive a one-time bonus: Discover will automatically match all the cash back you’ve earned at the end of your first year. Rewards don’t expire, and there’s no minimum redemption amount. They can be redeemed through direct deposit to a bank account or as a statement credit to your account, among other options.

The chance to upgrade to a regular credit card. After you’ve held the card for eight months, the company will begin automatic monthly reviews to see whether you’re ready to move to an unsecured card and get your deposit returned. When you do transition to a regular card, you’ll keep the same account. Because opening a new account can lower your credit score in some instances, this is great for people who are excited to enter good credit territory.

An annual fee of $0 . You’re already required to pay a security deposit on a secured card, so it’s best to avoid an annual fee, if you can help it. This card’s annual fee of $0 is one less obstacle for would-be applicants.

Why you might want a different credit card

The minimum deposit is $200. Although the $200 minimum security deposit on the Discover it® Secured is relatively low, it can still be a barrier. In this regard, the $0 -annual-fee Capital One® Secured Mastercard® could be a superior card. In some cases, you may be able to qualify for a minimum deposit of just $49 or $99 for a credit limit of $200 on this card.

Without a credit history, you can also consider the Petal® Visa® Credit Card , which has no security deposit requirement. Petal’s issuing bank can evaluate creditworthiness with an algorithm that analyzes your income, savings and spending. The card also earns up to 1.5% cash back with consistent on-time payments: It starts you off with 1% cash back on all purchases, but that goes up to 1.25% after six on-time payments and 1.5% after 12 on-time payments. It has an annual fee of $0 .

It has a high ongoing APR. The interest on the Discover it® Secured is not very attractive: It comes with 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 22.99% Variable APR . If you plan to carry a balance, you may be better off with the $0 -annual-fee DCU Visa® Platinum Secured Credit Card , which has a much better APR. The ongoing APR is 13.75%, Variable — which is even lower than the rates on many unsecured cards. You’ll need to qualify for membership at that credit union to be eligible for the card.

It requires a bank account. Because the security deposit for the Discover it® Secured has to be funded by a bank account, this card is not a viable solution for some people. Unbanked consumers may be better off with the OpenSky® Secured Visa® Credit Card , which offers alternative funding options, even though that card has an annual fee of $35 .

Is the Discover it® Secured right for you?

If you’re committed to building or rebuilding credit, a secured card can be very helpful, especially a card like this one that has a smooth process to help you transition to an unsecured card when you’re ready. This card also gets high marks for paying such generous rewards and having an annual fee of $0 .

Overall, unless you lack a bank account or can’t pay the $200 minimum deposit, the Discover it® Secured should definitely be on your short list of secured credit cards.

on Discover’s website, or call (800) 347-0264

Doubly.io | Scam Warning! | Crypto Scam Investment Company Exposed!

Let me tell you and show you how they SCAM their investors while having more than 5,400 people on their Telegram chat and scamming actively within the group too. Also, Doubly used their website template from another SCAM company it’s another subject but you just need to know. Because it works.

DOUBLY.IO | TRADING INTELLIGENCE

Doubly is a successful AI-oriented Crypto-trading company. Our solutions are complex, automated and using the market’s…

doubly.io

I will add all the info/research and their documents here and below:

First please install this Chrome Extension:

EtherAddressLookup

chrome.google.com

It will warn you phishing & SCAM websites that are reported to the database.

Their email: [email protected]

Reg Official Document below:

Their Social Network Accounts:

Operated by the same Doubly Company:

The same logic as above: [email protected]

Insurance Certificate: (FAKE)

Online, everyone is talking about and investing on this (www.doubly.io) fake AI based bot and SCAM investment company.

Where you can invest and earn daily return. This is a legal company or made up company you decide at the end. They’re saying that they have an AI based trading bot that trades 24/7 for people who invest into their system and will give you up to 5.50% per day revenue/profit. Really? F***ThisS*** (FTS)!

There is nothing in the world at the moment that can bring this kind of result even if it’s a real AI. This Doubly company is a professional SCAMMER!

How they work? In other words SCAM?

There are a few strategies.

  1. When you invest, you’ll start getting your daily payments to make you believe. Then, you will invest more, then you will reinvest more… but when you stop investing/re-investing.
  2. It doesn’t effect to small investors up to $1K but later will come to you. Also if you’re one of their affiliate and promoting the company may not have a problem at the beginning but they will scam you just after that. So do not promote it instead report it. Otherwise you’re a scammer too!
  3. No-body is aware of the Pin codes they added in their bot but once you start asking your Pin code, they will give you MANUALLY not automatically that means, they KNOW your PIN CODE.
  4. Now what? They have their spread sheet with all their investors’ details and Pin codes etc all in there. After sometime, they will go to you Personal link and then see the packages with a lot of $$$ money inside. They will RELEASE in other words FREEZE/LOCK your packages and disconnect your packages with you Telegram based bot and now you’re ALONE!
  5. You start complaining and after a few emails you decide to wait. Because you feel you have and they say it will take 1 week, then 2 weeks then 4 weeks then 8 weeks with their FAKE insurance company and so on.

Now you get the idea right?

Once they release you packages then they immediately BAN you from their Telegram group at the same time. So you have to open another Telegram account. Otherwise you can’t reach them. So get an empty SIM card for Telegram/yourself if you’ve already invested into this S**T!

When you email them, they will not help. They’re chill and relaxed with your money. There is no help either a solution. Again, they will suspend your account also block you within their Telegram Community group so you can not let others know about this SCAM.

They’ve done everything as planned. They’re playing to gain time to SCAM more people so you can’t do anything. When they say you need wait 8 weeks, don’t because you’re just wasting your time. Instead, take action ASAP!

The Doubly Ltd Company

All their insurance, certificates are fake.

The website/company is built on purpose of scamming. They have a specific strategy to scam people after their investments reach 10–20%.

They’re promising to give you high returns daily but it is not possible.

2 main strategies involved within this SCAM company:

1. When you reach a certain % or amount.

2. When you do not Re-Invest back to the your account/company.

They’re checking everyone what they do daily. Once they see that you’re not reinvesting back then they will release the packages by locking your account.

They promise to double the investment and also give you “100% Money Back Guarantee” on their website. But when they lock your account, you can’t get your daily payouts and all of your money left inside.

If you don’t give up, they’ll say you can request money back it will take 2 months or more… plus, 30% commission from YOUR money.

Where is the “100% Money Back Guarantee”? For sure I can definitely say that you will never get after 2 or 6 months …

Because they’ve built this on purpose of scamming. This company is an ICO company and NOT a real project!

They published a few press releases they’re Chinese based paid articles which is fake post to make you believe more. If you’re in PressRelease SEO business, you know what I’m talking about.

Their company address in London/UK is rental place in London Bridge area.

Address: 41 Plantain Place, London, United Kingdom, SE1 1YN

Doubly announced recently to move HongKong which is fake.

They’re still in London. This announcement is all about tactic to delay OLD investors’ payments daily and SCAM more people while using this tactic.

Their company registered certificate is kind of real but all made up with their /CEO’s professional daddy accountant by simply registering in the GOV site without any fear for the future! In reality, all of this documents on their website is fake and it’s only for making believe system to SCAM more people!

Doubly’s FAKE Insurance FGI company?

Yes. It is a 100% FAKE and the same company built by Doubly.

That’s why they’re keep saying OUR FGI yes it is THEIR FGI.

FGI — Meaning FU**ING/FAKING genetic insurance!

Their Insurance company is built by themselves with a VERY SIMPLE WordPress template that I can do/create within 20 minutes. No joke!

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In fact there is a real FGI in the world but it’s a completely different company and their website is https://www.fgiww.com

Again this is ALL MADE UP!

In reality there is no such a company. Their FGI of course operated by the same Doubly.io company. Which is 100% FAKE. When you send an email to the FGI you basically send that email to the same people of doubly.

Doubly’s Telegram Group

I see everyday some people banned from their groups, who says “k” or “where is my money” or “why you banned me” etc. and at the moment I contacted more than 100+ people that has the same problem. They have a live Telegram Community Channel with more than 5400 people inside. You can check it easily and see people’s headaches and problems that will never be solved.

MY LAST WORDS FOR YOU

If you’ve invested do not continue… Get your money back with the bot asap.

This is a pure scam. They don’t have any AI bot and it doesn’t exist. It is all designed to scam people. This is a simple ICO logic to scam more people by lying and with a lot of promotions via Facebook and Youtube.

This world is useless. There is no fear and there is no soul and there is no law.

What you’ll do? When you find them, kill them. Don’t think second.

Politely saying: Just report them, here is the info:

Start reporting to the Police Forces or any Legal department in your Country. Again DO NOT wait PEOPLE you will NEVER get your money. TAKE ACTION!

How and Where to Report?

Also you can try to get hackers to have some fun. They use free cloud flare.

DO NOT EVER use Private Agency Websites like these:

They ARE SCAMMERS too. They act like a real and pro agency but NO!

Also check them on Trust Pilot here and Report it too:

I will add all the info/research and their documents here and above:

Their email: [email protected]

Reg Official Document below:

Their Social Network Accounts:

Operated by the same Doubly Company:

The same logic as above: [email protected]

Insurance Certificate: (FAKE)

Please install this Chrome Extension:

18 Ways to Earn Money Online from Home Without Investment

Are you looking for the ways to earn money online?

Did you try to make money online before but did not get success? Then no need to worry anymore!

Because we have already trained more than 7,00,000 people across the world & they are successfully making $300 to $2000 (INR 20,000+) per month.

We are showing you below some of the best ways to earn money online. You can also download our training package which will help you to grow your income very fast.

And yes, everything in this website is Absolutely Free & Without Investment.

18 Ways to Earn Money Online

Check some of the best ways below & start immediately-

1. Make Money with Online Surveys

Here you can make money by completing small surveys which takes 5 minutes to 20 minutes depending on the requirement of a particular company.

You need to write your feedback & opinion in a survey. You just have to select your choice from the question & there is no need to write anything.

You can make $1 to $20 depending on the length of the survey, your profile & the country you are living in. You can find more about paid surveys and join 20 best survey sites.

2. Earn Money with Blogging

I have been making money with blogging from the last 7-8 years. I have made more than 1 million dollar (almost Rs. 7 Crore+) with blogging. I was so confused when I started blogging.

I had absolutely no idea about blogging when I started in 2020. I worked very hard but made no money with blogging for almost 1 year.

But I never gave up! I was doing my research on topics like, ‘how to create a blog’, ‘how to write on your blog’ and ‘how to promote your blog’.

And things started in my favor after 1 year. I made my first $100 from blogging in 2020. Then there was no looking back. Today I am earning $25,000 (Rs 15 Lacs+) per month from blogging.

You can know more about my blogging journey, my income proofs and a complete guide on how to start a blog for FREE.

3. Become a Captcha Solver

If you have more free time (2 hours a day) then you can add further income in your pocket by working as a captcha solver.

This is one of the easiest way to earn money online. As a captcha solver, you need to read the captcha images & type the exact characters.

You need to be very fast in order to earn better income. You can get paid up to $2 for every 1000 captchas you solve.

If you are interested in this then you can check this list of 10 best Captcha work sites.

4. Earn with Affiliate Marketing

If you are serious about earning money online & you are a hard working guy who wants to make big income then affiliate marketing is for you.

There is more scope for affiliate marketing than before because of the high growth of online shopping.

There are hundreds of online merchants like Amazon, Flipkart, eBay, Clickbank, CJ etc. where you can signup & promote their products.

In affiliate marketing, you are simply helping customers to buy the right product by creating a simple website & in return you can earn 4% to 20% commission.

You can signup for Free Training so that we can send you one of the best guide on affiliate marketing that can help you to earn great income.

5. Become a freelancer

Freelancing is another popular way to make money after blogging & affiliate marketing. As a freelancer, you can work with small or big companies on a temporary basis & provide them your services.

Freelancers can make $500 to $2000+ per month depending on the type of freelance jobs you will do for your client.

You can work as a content writer, web designer, graphics designer or provide services like SEO, data entry, video testimonials, digital marketing etc.

There are dozens of popular websites like UpWork, Freelancer.in , WorkNHire , and many more freelance sites that can give you the ready platform with ready clients.

6. Virtual Assistant

A virtual assistant is like a personal assistant who can earn money by working online for someone without being physically present.

He can do variety of tasks like taking care of websites, counseling, writing & proofreading, publishing content, marketing, coding, website & app development, research etc.

There are dozens of companies like HireMyMom , MyTasker , Zirtual , uAssistMe , 123Employee where you can signup for virtual assistant work.

7. Writing Job

Writing is another better way to earn money on internet through writing different types of content.

You can write for blogs, companies, institutions, individual people etc. Different types of writers get paid differently.

Normally people get paid $5 to $20+ for writing 500 words content.

If you don’t have writing skills then you can read this post and become a freelance writer.

You can go to the sites like UpWork, iWriter, WriterBay, FreelanceWriting, TextBroker, ExpressWriters.com, FreelanceWritingGigs.com to find the content writing jobs.

8. Micro-working

There are more ways that can help you to make extra income by working in part time. You can easily make $200-$300 per month by doing simple tasks on different sites.

Here you can work on variety of different tasks like identifying an object, rating & commenting on different sites, visiting some websites, finding contact details, doing small research, writing small articles etc.

There are many websites like mTurk, MicroWorker, SEOClerk, ClickWorker, GigWalk where you can work as a micro worker & earn extra income. After signup, we will show you how to work as Micro-worker and make money.

9. Become a YouTuber

YouTube is one of the hottest trend in earning money online. You can start your YouTube channel, upload some quality videos and then become a YouTube partner to make money online on YouTube.

You can create different kind of videos like prank videos, comedy videos, kitchen recipes, how-to-do videos, travel tips, or anything you think, is useful for people.

Once you get the videos views and subscribers for your channel then you can apply for YouTube partner program.

Once you get the approval, people will see the ads along with ads in your videos. You will make money for each views your video receive.

You can shoot videos from your smartphone or any DSLR camera.

10. Become an online seller

Online selling is not like traditional selling. You don’t have much scope of selling your items outside your local market but in online selling, you can sell your product all over the country.

There are 2 ways to sell anything online.

Either, you can create your own website and sell your products from your website OR become a seller on any famous shopping portal like Amazon, Flipkart, eBay, Snapdeal etc.

Second option is much better you will get existing customers of these popular portals.

Now you must be thinking that what can I sell when I don’t have any product?

I have seen many Amazon and Flipkart sellers who don’t have any product but still they are selling number of products on these sites.

What you can do is, roam around your city & check for the best products you can sell on these sites. You can find the wholesalers and distributors who can sell you these products at a highly discounted rates.

You can list these products on Amazon, eBay etc. and make money by selling at a higher price.

You need to try the best products that you can sell at lower than market price. Trust me, its easier than your thought. Only thing you need to do is take action.

11. Domain Trader

Domain trading is another high profit business you can do online. But here you need some investment for buying the domain.’

You must be an expert OR you should get detailed knowledge before you start this business.

You can buy domains from GoDaddy or other domain registrar for less than $10 & sell in future to the needy person for hundreds of dollars. Your skill here is to identify great domains that are not booked yet & companies in future can try to buy that domain.

When companies don’t find the domain of their choice, they contact the domain owner for the deal & it’s in your control to fix the price. You can even put your domains on auction so that people can buy directly at your desired price.

12. Website flipping

Like domain trading, website flipping is also a hot business to earn money online. Here you don’t deal with domains but websites.

You have to create a website, work on it for 3-6 months or more so that you can start making money from the websites.

After earning for 2-3 months, you can put that site on auction on Flippa , EmpireFlippers etc. You can easily get 15-20 times price of your monthly earning from that website.

It’s much easier to grow an old sites than creating a new site and the grow this new site.

Many experienced people buy websites from Flippa, work for 3-4 months on these sites and make double or triple income.

13. Provide training & consultancy

There is a big scope of earning money online if you have some good skills that people need. Like you can provide training on spoken English, computer courses, any technical course, Feng shui, medical treatment and any other things.

You can promote your business through a website or a Facebook business page.

You need to promote your website or Facebook page in order to get the potential leads.

You can get many customers through a good follow ups.

14. Stock & Forex Trading

Stock trading & forex trading is a very lucrative way to make money for those who has good idea of the market.

There are number of free or paid courses available on internet that can train you for online trading.

You can even read newspaper like Economic times or watch TV channels like CNBC to become more expert in the field. Its risky to enter into this market without sufficient knowledge.

15. Earn money from your smartphone

There are various smartphone apps that can pay you some extra income by completing some simple tasks on your Smartphone.

There are at least 20 money making apps that if you install in your smartphone, can give an extra income of $200-$300.

You have to take simple surveys, complete offers by signup on other websites, play games, watch videos etc.

You don’t need to take any extra time to earn from this as you can make money on the go.

16. Sell photos online

This is another use of your smartphone. You can take high quality images of nature, places, people, things, dishes, homes etc. & sell them online.

There are number of big sites like ShutterStock, Fotolia, , iStockPhoto, Photobucket where you can submit your photos. Whenever some customer wants to purchase your photos, you will get paid as per the price you fix.

You can get paid multiple time for the same photos. Read this MoneyConnexion post for more details.

17. Sell old stuff on OLX or Quikr

I am sure there may be number of things in your home that are lying unused for months & if you take little efforts, you can earn some good money.

You just need to do 2 things, i.e. find out all the items that you are no longer using, take high quality photos of these items from different angles & list these items on OLX & Quikr for sale.

Not only this, you can also ask your friends & relatives for selling their old stuff. You can help them selling these items & make some commission.

So these 18 ways can provide a perfect answer for your query ‘how to earn money online” & yes, you can shoot an email to us in case of assistance.

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