Richard Rader, Member
@rader_richard
The best Discover card for someone with no credit is the Discover it® Secured Credit Card because it gives 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. You also get a bonus matching the cash back you earn the first year, and there’s no annual fee.
It requires a $200 deposit to open an account, and your credit limit is equal to your deposit. But after seven months of on-time payments, your account will be considered for an upgrade to an unsecured Discover card. So, there’s a chance you could get your deposit back if you’re responsible.
There is no Discover card with no deposit for most people with no credit. Students are an exception, though. Both Discover it student cards have a $0 annual fee and are available to students with limited credit history.
Best Discover Cards for No Credit
- Discover it® Secured Credit Card: $200 deposit required. 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. First year’s cash back matched for new cardmembers. $0 annual fee.
- Discover it® Student Chrome: 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. First year’s cash back matched for new cardmembers. Intro APR on purchases of 0% for 6 months. Regular APR of 16.74% - 25.74% Variable. $0 annual fee.
- Discover it® Student Cash Back: 5% cash back on up to $1,500 in combined category spending per quarter in rotating bonus categories (which change every quarter and require activation), and 1% back on all other purchases. Intro APR of 0% for 6 months on purchases. Regular APR of 16.74% - 25.74% Variable. $0 annual fee.
A Discover card for no credit can be a valuable tool to help you establish credit history and, eventually, build a good credit score. Just always pay on time (and in full if you’re able), and you’ll be in good shape.
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2025's Best Credit Cards for People with No Credit
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