Discover® Credit Cards

Discover® Credit Cards

Discover puts its focus on creating great rewards for its cardholders. Consider the Discover it® Cashback Match™ as a well-rounded rewards card. Looking to build your credit? The Discover it® Secured Card is a great fit. Check out the best credit card offers from Discover below.

See the best credit card offers from Discover below.

Discover it® Cashback Match™

Discover it® Cashback Match™

26,257 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Discover it® Miles

Discover it® Miles

322 customer reviews

Apply Now Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
10.99% for 14 months
Regular APR
13.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Discover it®

Discover it®

26,257 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
0% for 18 months
Regular APR
13.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Discover it® chrome

Discover it® chrome

1,041 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Discover it® for Students

Discover it® for Students

1,099 customer reviews

Apply Now Credit Needed
Fair Credit
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
14.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Fair Credit
See Rates & Fees

Discover it® chrome for Students

Discover it® chrome for Students

628 customer reviews

Apply Now Credit Needed
Fair Credit
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
14.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Fair Credit
See Rates & Fees

Discover it® Secured Card

Discover it® Secured Card

797 customer reviews

Apply Now Credit Needed
Limited/Bad Credit
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line.
  • You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
Apply Now at Discover's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
24.49% Variable
Annual Fee
$0
Credit Needed
Limited/Bad Credit
See Rates & Fees

NHL® Discover it® Card

Apply Now Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride – all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Comparing Discover Card Offers

When you discover Discover, you find some hidden surprises, such as their dollar-for-dollar matching of all the cash back earned at the end of your first year, no annual fee and so much more. Here, we'll take a deep dive into what each Discover card offers, then look at their common, most excellent features, such as free FICO score, U.S.-based 24/7 customer service, and more.

Here, we look at:


The Best Discover Credit Cards of 2018

Deeper analysis on Discover's best cards

First off, rather than sign-up bonuses, the Discover cards come with cash back matched at the end of your first year. This means if you earn $300 over the course of your first year, you get another $300 back at the close of the first year of membership. Even the credit-starter cards offer this. Pretty awesome, yes?

Discover it® Cashback Match

Discover's flagship card, the Discover it Cashback Match offers a stunning 5% back at different places each quarter such as Amazon.com, wholesale clubs, and more common categories such as gas and restaurants each time you activate (up to $1,500 spend each quarter). Competing head-to-head with the Chase Freedom, the Cashback Match eschews a sign-up bonus in favor of Discover's famous cash back match at the end of your first year.

Highlights

  • Unlimited 1% cash back on everything else
  • Rewards don't expire
  • 0% intro offer for 14 months on purchases & BT (then standard variable rate, currently 13.49% - 24.49%)

Discover it® Miles

This straight-forward travel card delivers 1.5X miles on all purchases. You can redeem your miles toward a statement credit. One nice feature – there are no blackout dates, which means you can fly anywhere, at any time.

Highlights

  • Free FICO score
  • Handy on/off switch to manage freezing your account
  • 0% intro offer for 14 months on purchases (then 13.49% - 24.49% variable)

Discover it®

This card's greatest feature is the generous 18-month 0% intro APR on balance transfers, one of the industry's best balance transfer offers. There is also a 6-month intro 0% APR offer on purchases. This card is helpful for the consumer with a balance on an existing card and interest charges piling up. With an 18-month transfer, that means you can save hundreds on interest. After the introductory period expires, standard variable APR of 13.49% - 24.49% applies.

Highlights

  • Redeem any amount
  • Free Social Security number monitoring
  • 5% in rotating categories each quarter, up to the quarterly maximum each time you activate

Discover it® chrome

This card offers cash back for restaurants and gas stations of 2% for up to $1,000 per quarter, perfect for the foodie who loves to try new restaurants. It's 1% after that, and 1% on everything else.

Highlights

  • Use your rewards on Amazon.com
  • Free alerts on new accounts on your Experian credit report
  • $0 fraud liability

Discover it® for Students

A great card for the consumer with fair credit, you get the same quarterly categories and 5% back as the Cashback Match with this card when you enroll (up to the quarterly max). Also, special for the hard-working student, earn a $20 credit statement each year for a 3.0 GPA or higher for up to 5 years.

Highlights

  • No late fee on first late payment
  • No APR change for late payment
  • 0% for 6 months on purchases; 10.99% for 6 months on BT (then 14.49% - 23.49% variable rate applies)

Discover it® chrome for Students

This card has the 2% back at restaurants and gas station that you get with the Discover it chrome, but it is offered to consumers with fair credit. Same rule applies – cardholders must enroll to receive the cash back up to $1,000 in combined purchases each quarter. The Discover it chrome for Students also has the good grades offer of the Discover it for Students – earn a $20 credit statement each year for a 3.0 GPA or higher for up to 5 years.

Highlights

  • Overnight shipping of card to U.S. address at your request
  • No overlimit fee
  • No foreign transaction fee

Discover it® Secured Card

If you need a reliable card that accepts bad or limited credit, look no further. This card is ideal for the consumer whose credit isn't his best, but who wants to build credit quickly and safely. With every one-time payment, you are that much closer to credit bliss with this card – just make sure you also pay in full each month. Good habits reap great rewards.

Highlights

  • Pay a refundable deposit of at least $200 in exchange for a matching credit limit
  • Earn 2% back on restaurants and gas stations for up to combined $1,000 a quarter, automatically
  • Get reviewed after 8 months for possible transition to an unsecured line of credit

NHL® Discover it® Card

Show your true colors by choosing your favorite of 31 teams to display on your card. Also, save 10% at Shop.NHL.com and NHL.TV™. With this card, you can earn the 5% on rotating categories each quarter up to the quarterly max each time you activate, and 1% on everything else after that.

Highlights

  • 100% U.S.-based customer service
  • Free credit scorecard
  • Redeem for cash at any time

What is Discover?

Discover is best known for its stellar lineup of cashback cards, but it is more than just a card issuer.

Discover is also a network, along with Visa, Mastercard and American Express. This means it partners with merchants nationally and worldwide, which accept the Discover cards for payment. Although more common in the United States, Discover is accepted in 185 countries and territories.

Although it's the smallest among the major networks in the U.S., it is widely accepted here. In fact, among merchants who accept cards, 97% of them accept Discover. There were almost 296 billion purchase transactions among general purpose cards in 2017, says Nilson Report. Here's how the networks break down with those:

Major U.S. networks' purchase transactions in 2017...

  •  147.9 billion
  • Visa
  •  75.8 billion
  • Mastercard
  •  7.5 billion
  • American Express
  •  2.5
  • Discover/Diners Club, in billions
  • Source: Nilson Report

Discover also offers a variety of lending products, including checking accounts, personal and student loans, and more. Here's what it offers:

  • Credit cards. You already know that these products provide excellent value, but they also offer great service and security. More on that later.
  • Banking. Discover also offers savings, checking, IRAs and CDs with a competitive 2% rate for 12 months and minimum $2,500.
  • Personal loans. These loans can be used for major purchases, life events, remodeling or debt consolidation – basically, you have a need, Discover delivers.
  • Student loans. All manner of student loans are offered, with a fixed rate undergraduate loan's starting fixed rates ranging from 6.49% - 11.99%.
  • Home equity. These loans range from 4.99% - 11.49% fixed APR for $35,000-$150,000. That's with no application fee, origination fee or home valuation fee.

Discover rewards program and best redemption options

Discover cards have a few exciting differences from other cards. For example, as we mentioned, they all offer to match the cash back you've earned at the end of your first year, which can beat a similar card's sign-up bonus. For example, take a look at a comparison of the Discover it Cashback Match and the Chase Freedom:

Compare Cashback Match vs. Chase Freedom...

CardDiscover it Cashback MatchChase Freedom
5% cash back5%x$500x12 mths=$3005%x$500x12 mths=$300
Sign-up/first year bonus$300 end of first year$150/$500 spend in 3 mths
Annual fee$0$0
Total end of first year$600$450

There are a few key rewards programs attached to the Discover it cards. For example, the Cashback Match offers 5% back on rotating categories each quarter (up to the quarterly max) while the Discover it chrome cards offer 2% back on restaurants and gas stations. While quarterly activation is required for the Discover it cards, cash back for the chrome cards are automatic.

Also, it's a certainty that you won't pay an annual fee or foreign transaction fee. Annual fees can run in the hundreds of dollars and foreign transaction fees are typically 3%-5% of the charge, so that's a whole lot of money saved with those two fees waived. These cards carry a host of other features, as we'll talk about next.

Other benefits of having Discover cards

Discover cards offer a number of benefits, from service to security to great rewards. Here is what the brand offers with all of its cards.

Service

  • 100% U.S.-based customer service
  • Accepted in the U.S. by at least 97% of the merchants that accept cards
  • Get cash with your card purchase, up to $120 per 24 hours
  • Year-end summary
  • Free FICO score

As you can see, one of Discover's greatest benefits is the free FICO score feature. Discover has found that there are a number of ways consumers use credit scores, including 39% using scores to improve or maintain them, so it's worth your while to be able to access your score on a monthly or quarterly basis. Here's what else Discover learned about credit scores:

Consumers check their credit score...

  •  39%
  • To improve or maintain it
  •  18%
  • Out of concern for fraud or identity theft
  •  17%
  • Because they were curious
  •  12%
  • To apply for a credit card or loan
  • Source: Discover Survey

Security

  • Free alerts if Social Security number found on risky website
  • Free alerts if new account shows up on Experian credit report
  • $0 fraud liability
  • On/off switch to freeze your account
  • Free overnight shipping for card replacement

Value

  • No annual fee
  • No overlimit fee
  • No foreign transaction fee
  • Price protection, within 90 days of your purchase up to $500 per item, $2,500 per year

Recap: The Best Discover Credit Cards

Credit CardBest For:CreditCards.com RatingAnnual Fee
Discover it® Cashback MatchCash back with rotating rewards categories4.1 / 5$0
Discover it® MilesEarning airline miles3.7 / 5$0
Discover it®18 month balance transfer offer (then 13.49% - 24.49% variable)4.3 / 5$0
Discover it® chromeGas and dining rewards with cash back match2.8 / 5$0
Discover it® for StudentsGood Grades Rewards and rotating categoriesN/A$0
Discover it® chrome for StudentsGood Grades Rewards, restaurants and gas stations3.9 / 5$0
Discover it® Secured CardEstablishing creditN/A$0
NHL® Discover it® CardHockey fansN/A$0

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.