The Discover it Secured Credit Card also lets you earn rewards while building credit. You can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and unlimited 1% cash back on all other purchases. Plus, Discover’s Cashback Match offer lets you double your rewards at the end of your first year.

The Discover it® Secured Credit Cardrequires a cash security deposit of at least $200 (and up to $2,500), which acts as your line of credit. After seven months, Discover automatically reviews your account to determine whether you’re eligible to upgrade to an unsecured credit card or get a refund on your deposit. This card also doesn’t require credit history — which is perfect for beginners.

But some of our favorite credit-building options take these credit building benefits even further, by offering extra incentives for responsible credit use. Most commonly, these benefits come in the form of automatic reviews for the chance to upgrade your card or earn a credit limit increase after a certain number of on-time payments.