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#1 for cash back

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

5% cash back on rotating categories

Bottom Line

Rotating quarterly bonus categories will draw comparisons between this card and Chase Freedom. Discover's offering wins out with the Cashback Match - it's unique intro bonus which is a dollar-for-dollar match of all the cash back you earn in your first year.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
#1 for travel

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Rewards Rate

1.5X
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

This card is best for

Travelers

Bottom Line

This straight-forward travel card delivers 1.5X miles for every dollar on all purchases. Perfect for travelers who don't have preferred airlines, hotels, or destinations

At A Glance

Intro Bonus
Discover Match®

Unlimited Bonus: Only Discover will automatically match all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
#1 for gas and dining rewards

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Gas and dining rewards

Bottom Line

This card offers cash back at gas stations and restaurants of 2% for up to $1,000 in combined purchases per quarter, perfect if you want to earn cash back without keeping up with rotating categories.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable

More cards from Discover

No Credit History

Apply Now

Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.

This card is best for

Earning cash back as a student

Bottom Line

A great card for students or anyone with fair credit. You get the same quarterly categories and 5% back as the Discover it Cash Back with this card when you enroll (up to the quarterly max).

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.

This card is best for

Earning cash back while building your credit

Bottom Line

This card is ideal for consumers with little to no credit history who want to build credit quickly and safely.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
22.99% variable

More cash back cards from Discover

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Gas and dining rewards

Bottom Line

This card offers cash back at gas stations and restaurants of 2% for up to $1,000 in combined purchases per quarter, perfect if you want to earn cash back without keeping up with rotating categories.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable

No Credit History

Apply Now

Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.

This card is best for

Earning cash back as a student

Bottom Line

A great card for students or anyone with fair credit. You get the same quarterly categories and 5% back as the Discover it Cash Back with this card when you enroll (up to the quarterly max).

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.

This card is best for

Earning cash back while building your credit

Bottom Line

This card is ideal for consumers with little to no credit history who want to build credit quickly and safely.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
22.99% variable

More student cards from Discover

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


This page includes information about the Discover it Balance Transfer product which is no longer offered by Discover.

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:

Discover Credit Card Highlights

Discover it® Cash Back

Why it’s the best Discover credit card for 5% cash back on rotating categories

You’ll rack up rewards on everyday spending with this card’s varied and practical rotating cashback categories, earning 5% back at places like grocery stores, gas stations and restaurants (on up to $1,500 in combined purchases per quarter after activation, then 1% back).

Pros

Discover’s first-year Cashback Matchcould easily beat the sign-up bonuses offered by many other rewards cards, and the card’s lengthy 0% introductory purchase APR (0% for 14 months, then 11.99% – 22.99% variable) allows you to earn cash back on larger purchases and pay them off over time.

Cons

It’s not ideal if you’re after a low-maintenance card: You must enroll in a rotating bonus category every quarter to maximize your cash back, and quarterly categories may not always line up with your spending habits.

Discover it® Balance Transfer

The Discover it® Balance Transfer is no longer available. The information for Discover it® Balance Transfer has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer.

Why it’s the best Discover credit card for a long 0% APR period on balance transfers

This card’s intro 18-month balance transfer offer is one of the longest available on the market, and if you end up carrying a balance beyond that, the card’s ongoing APR [see terms] is low.

Pros

You’ll save on interest and get room to breathe thanks to this card’s lengthy balance transfer offer, and its great cashback program makes it worth keeping even after you’ve paid off your debt.

Cons

While the card’s balance transfer offer is generous, you’ll only get an intro period of 6 months to make new purchases without paying interest [see terms] for APR thereafter.

Discover it® Miles

Why it’s the best Discover credit card for travelers

The card charges no annual fee and gives you a ton of freedom in how you redeem your miles: You won’t have to book through a travel portal or with specific airlines or hotels.

Pros

Thanks to the card’s first-year mile match offer, you’ll effectively earn 3X miles on every purchase for the first 12 months (1.5X miles, matched at the end of your first year), which rivals the rate offered by many of the top luxury travel cards.

Cons

The card lacks a traditional sign-up bonus, so you’ll have to spend a decent amount to get much value out of the first-year match. Also, since you can’t transfer your miles to frequent-flier programs, the card isn’t ideal if you’re loyal to specific airlines.

Discover it® chrome

Why it’s the best Discover credit card for gas and dining rewards

It offers 2% cash back on up to $1,000 in combined purchases each quarter on spending at gas stations and restaurants, which, when matched at the end of the first year, is a remarkable rate for a no-annual-fee card.

Pros

In addition to its great cashback rewards program, you can take advantage of the card’s 0% introductory APR on balance transfers and new purchases for 14 months (11.99% – 22.99% variable thereafter) to pay down debt or finance a larger purchase.

Cons

While the card’s low-end APR of 11.99% (variable) is significantly lower than the average cash back card APR, your APR could run as high as 22.99% (variable) if you have some blemishes on your credit history. The card also doesn’t offer much in the way of perks like car rental insurance or extended warranty.

Discover it® Student Cash Back

Why it’s the best Discover credit card for earning cash back as a student

You won’t have to sacrifice top-notch cashback rewards just because you’re a student. You’ll earn 5% cash back in rotating categories like gas, groceries and Amazon.com (with enrollment, on up to $1,500 per quarter, then 1% back). Plus, Discover will match all the cash back you earn at the end of your first year.

Pros

The card offers a number of unique bonuses and perks for students, including a $20 statement credit for student cardholders who have a GPA of 3.0 or higher during a school year for up to 5 years. It also charges no foreign transaction fee, making it a solid choice if you plan to travel or study abroad.

Cons

You must enroll in a rotating bonus category every quarter to maximize your cash back, and the card’s variable APR, though reasonable, is a bit higher than that of many student cards, so you’ll have to be diligent about paying off your balance in full each month.

Discover it® Student chrome

Why it’s the best Discover credit card for your first student credit card

The card’s consumer-friendly terms are great for someone new to credit: You won’t be charged a late fee the first time you miss a payment and you won’t get hit with a penalty APR if you end up falling behind more frequently.

Pros

Along with its great cash back rate on purchases at gas stations and restaurants, the card comes with a number of financial management tools that can help you monitor your spending and ensure your credit stays on track.

Cons

While the card’s 0% introductory APR on new purchases for the first 6 months (12.99%-21.99% variable APR thereafter) can help students finance a large purchase like a laptop or moving expenses, it could spell trouble for inexperienced cardholders prone to overspending.

Discover it® Secured

Why it’s the best Discover credit card for earning cash back while building your credit

You can build credit without putting down a ton of money upfront as a deposit. Even better, Discover promises to review your account on a monthly basis starting at 8 months to see if you qualify for an upgrade to an unsecured card.

Pros

Your approval odds are high whether you have a poor credit history or none at all. Plus, the card’s generous cashback program and Cashback Match mean you could actually earn money each year by using the card.

Cons

If you opt for a low security deposit (and, accordingly, a low credit limit), it may be difficult to keep your credit utilization in check. Additionally, the card’s APR is extremely high, regardless of your credit history: All cardholders are assigned the same variable APR of 22.99%.

Discover it® Business Card

The information for Discover it® Business Card has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer. The Discover it Business card is no longer available on the site and may be out of date.

Why it’s the best Discover credit card for business owners

If you spend heavily, Discover’s Cashback Match could easily beat out other cards’ intro bonuses.

Pros

It’s a great low-maintenance option for business owners who don’t want to deal with special bonus categories and complicated redemption: You get unlimited 1.5% cash back on all purchases and can redeem rewards in any amount, at any time.

Cons

The card’s Cashback Match can be very lucrative, but you’ll have to wait a full year after opening your account to get it. Depending on your business needs, it may make more sense to go with a card that offers a bonus upfront, even if it’s smaller.

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 Discover cards for payment. Although more common in the United States, Discover is accepted in 190 countries and territories.

Discover card U.S. acceptance

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, 99% of them accept Discover. Among the 4 major U.S. networks, there was $3.966 trillion in purchase volume for credit cards, says Nilson Report. Here are how the networks break down according to purchase volume:

2019 purchase volume of U.S. general-purpose credit card networks:

  • Visa
  • $2.089 trillion
  • Mastercard
  • $910 billion
  • American Express
  • $821 billion
  • Discover
  • $146B

Source: Nilson Report Feb. 2020 chart, U.S. general purpose brands

Discover rewards program and best redemption options

There are a few key rewards programs attached to Discover credit cards, with some cards offering bonuses in an array of rotating spending categories and others offering bonus cash back in just a couple of spending categories.
The following cards offer 5% cash back in rotating categories each quarter upon enrollment (up to the quarterly max, then 1%):

  • Discover it Cash Back
  • Discover it Balance Transfer
  • Discover it Student Cash Back

The following cards offer 2% back at gas stations and restaurants (on up to $1,000 combined purchases quarterly, then 1%):

  • Discover it chrome
  • Discover it Student chrome
  • Discover it Secured

While quarterly activation is required for the Discover cards with rotating categories, cash back for the chrome cards is automatic.

Discover 5% cashback calendar 2020

Discover’s 2020 cashback calendar is now live, so you can get a sense of how your spending habits line up and start planning your purchases accordingly.

Winter (January – March) Spring (April – June) Summer (July – September) Holiday (October – December)
  • Grocery stores
  • Walgreens
  • CVS
  • Gas stations
  • Uber and Lyft
  • Wholesale clubs
  • Restaurants
  • PayPal
  • Amazon.com
  • Target.com
  • Walmart.com

To ensure you earn the full 5% cashback bonus, keep the following in mind:

  • You must activate the bonus each quarter to receive 5% back.
  • Your bonus is active from the first day of the first month of each quarter – or the date on which you activate it, whichever is later – through the last day of the last month of each quarter.
  • You earn bonus cash back up to the quarterly maximum.
  • All spending over the quarterly maximum and all purchases outside a quarter’s bonus category earn 1% cash back.

Best Discover reward redemption options

Since cash back reward values are pretty straightforward, the best cash back redemption options are often the most convenient for you at the moment without sacrificing reward value. For gift card lovers, however, Discover has a great deal: There is an added value on each gift card you redeem for (for example, certain merchants offer a $25 gift card for $20 of cash back rewards).
When you’re ready to collect your hard-earned Discover credit card rewards, here’s a quick rundown of your Discover redemption options.

  • Cash, either as a direct deposit or a statement credit – 1 cent minimum redemption
  • Amazon.com or PayPal purchases, using the “Cashback Bonus® option at checkout ($1 Cashback Bonus = $1) – no minimum redemption value
  • Gift cards (with an added bonus value) – $5 minimum redemption
  • Charity donations – 1 cent minimum redemption

Discover it Miles can be redeemed as a credit toward eligible travel purchases on your credit card statement or as a bank account direct deposit, both at 1 cent per 1 mile. Plus, Discover cash back and miles don’t expire. Rather than erasing your rewards, Discover will credit your account with your cash back or miles balance if your account is closed or it hasn’t been used within 18 months.

No annual fees on Discover cards

You won’t pay an annual fee or foreign transaction fee on Discover cards. Annual fees can run in the hundreds of dollars, and foreign transaction fees — which are fees added on top of your purchase when you use your credit card at a non-U.S. retailer — are typically 3% of the charge. That’s a whole lot of money saved with those two fees waived. Discover cards carry a host of other features, as we’ll talk about next.

Which Discover card should you get?

Because Discover credit cards have such different structures from competitors, it’s a good idea to compare with any other cards you have your eye on. Discover offers the gamut – credit building, student, travel and cash back cards. Which is best for you?

Consumer with a big balance – If you have a balance on another card, the Discover it Balance Transfer is one of the most generous on the market, with 0% intro APR for 18 months on balance transfers. However, the intro purchase offer is only 6 months, so even though this card offers 5% back on rotating categories after activation (up to the quarterly maximum, then 1%), don’t plan on carrying any of those purchases over past 6 months, because interest rates will kick in at a variable rate of (see terms).

Shopper with a plan – There are a couple of options here, including the Discover it Cash Back and the Discover it chrome. The Discover it Cash Back is a good card for someone who enjoys angling to maximize their cash back rewards, while the chrome is a good option for someone who frequents restaurants or is a road warrior.

Occasional traveler – If you are looking for one of the best travel credit cards and you want flexible features, the Discover it Miles is a good choice because it rewards 1.5X miles on all types of spending, with no blackout dates on redemption. When all is said and done, the Discover it Miles is best for the occasional traveler who needs room for flexibility.

Student consumer – Discover has two student cards, the Discover it Student Cash Back and the Discover it Student chrome. Both offer the rewards of their big brothers, but they only require no credit history. These are good cards for the youthful consumer who wants to experiment with rewards and build credit in the meantime. They also both feature a 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99-21.99%.

Credit builder – The Discover it Secured is an excellent option for the consumer who wants to build credit while experiencing rewards. This card requires no credit history, but as a secured card, you have to put down a refundable deposit as collateral. However, you get to build your credit with every on-time payment. This secured card is one of the better ones on the market because fees are minimal, including no annual fee.

Where is Discover card accepted internationally?

While Discover doesn’t have as wide a reach internationally as Mastercard or Visa, it’s accepted at more than 48 million merchants in 190 countries and territories, with international acceptance continuing to grow. You can check out Discover’s online map to see if your card is likely to be accepted where you’re traveling, but rest assured that many popular destinations in South and Central America, Europe and Asia have a moderate or high rate of Discover acceptance. Countries with a high Discover acceptance rate include:

  • Argentina
  • Austria
  • Bahamas
  • Belize
  • Brazil
  • Chile
  • Croatia
  • Czech Republic
  • Ecuador
  • Greece
  • India
  • Israel
  • Jamaica
  • Japan
  • Kazakhstan
  • Kenya
  • Morocco
  • Paraguay
  • Peru
  • Poland
  • Slovakia
  • South Korea
  • Switzerland

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.
  • Banking. Discover also offers savings, checking, IRAs and CDs with a competitive APY for 12 months and a minimum $2,500.
  • Personal loans. Discover’s variety of loans can be used for major purchases, life events, remodeling or debt consolidation.
  • Student loans. All manner of student loans are offered, with a fixed rate undergraduate loan’s starting fixed rates ranging from 4.24%-12.39%.
  • Home equity. These loans range from 3.99%-11.99% fixed APR for $35,000-$200,000. That’s with no application fee, origination fee or appraisal fee.

Recap: The Best Discover Credit Cards of 2020

Credit Card Best For: CreditCards.com Rating Annual Fee
Discover it® Cash Back Cash back with rotating rewards categories 4.3 / 5 $0
Discover it® Balance Transfer Long balance transfer offer 4.5 / 5 $0
Discover it® Miles Earning airline miles 4.0 / 5 $0
Discover it® chrome Gas and dining rewards with cash back match 4.1 / 5 $0
Discover it® Student Cash Back Good Grades Rewards and rotating categories 4.2 / 5 $0
Discover it® Student chrome Good Grades Rewards, gas stations and restaurants 4.2 / 5 $0
Discover it® Secured Establishing credit 4.1 / 5 $0

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and
Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.