Discover matches cash back after your first account year Cons You must fund the security deposit from a bank account 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. Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.