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Discover Credit Cards

Known for its high-earning rewards programs and customer loyalty, Discover has attractive cards for a range of lifestyles. Explore the options below to find a card that's best for you.



Read Review
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: A generous cash back and promotional low interest offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
10.99% - 22.99% Variable*
$0


Read Review
StudentIntroductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It for Students. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable*
$0


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Introductory Bonus Cash BackCash Back RewardsGas RewardsNo Expiration on RewardsDining RewardsCar Rental Insurance$0 Fraud Liability
Our Review: Do you eat out and drive a lot? If you want cash back rewards without having to think too much, the Discover It Chrome could be the right fit for you... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
10.99% - 22.99% Variable*
$0


Read Review
Introductory Bonus Airline RewardsAirline RewardsTravel RewardsBonus Airline RewardsNo Expiration on Rewards$0 Fraud Liability
Our Review: Discover it Miles credit card rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Even more appealing, as a promotion, the card will double the miles you earn at the end of your first year... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
10.99% for 12 months
10.99% - 22.99% (Variable)
$0


Read Review
StudentIntroductory Bonus Cash BackCash Back RewardsGas RewardsDining Rewards
Our Review: If you are a college student on the go who doesn’t have time to juggle rewards categories that change all the time, then you may want to consider the Discover it Chrome for Students card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable*
$0

Discover Benefits

Is Discover a Good Credit Card?

Discover cards offer Cashback Bonus, purchase protection and convenience, all backed by highly ranked customer service and no annual fee (for most cards). However, these cards also come with their share of drawbacks that you’ll need to consider when deciding whether signing up for a Discover card is right for you.

Pros

Rewards: Discover was the first company to offer cash back rewards to its customers, and today, most of its cards have a cash back program. You can redeem these rewards by getting a direct deposit of money in your bank account, taking a credit on your Discover Card account, or purchasing gift cards online. Participating retailers make store gift cards available through the Discover website that cardholders can purchase with the points they’ve accumulated from using their Discover card. When used this way, points can be worth more than their statement credit value. For instance, you can buy $50 gift cards for the equivalent of $40 in points from some stores.

Member benefits: If an eligible item you purchased goes on sale within 90 days of when you bought it, you’ll be refunded the price difference. Discover will also guarantee returns on eligible items of up to $500 within 90 days of purchase, regardless of store policy. In addition, most purchases made on Discover cards are eligible for one additional year of warranty coverage beyond what a manufacturer’s protection plan provides. Damages to Discover card purchases on eligible items that are lost or stolen are covered up to $500 for 90 days.

Customer service: Discover offers 24/7 customer service via the phone, and all representatives are U.S. based. The company has a reputation for customer service.

Cash over benefit: Discover is the only major credit card issuer to offer the cash over benefit. This option allows you to get cash back when using your card at certain retailers, saving you a trip to the bank or ATM.

Cons

Rewards: The downside of Discover’s reward structure is you need to stay on top of it. Many Discover cards offer 5% cash back bonus on purchases in certain categories. The categories (such as restaurants or gas purchases) eligible for 5% cash back change every few months. When some categories are not eligible for the highest rewards, other credit cards may be offering larger cash back percentages at the same time. This means that if you don’t spend a lot in the high-reward categories, you may be losing out on the rewards you could be getting with another card. Check Discover’s calendar to see if your purchases would generally fall in line with its reward program.

Acceptance: Where is Discover Card accepted? Discover card’s acceptance at retailers has been greatly improved of late. By some estimates, over 90% of stores in the U.S. that accept Visa and MasterCard now accept Discover, as well. Even so, having a Discover card as your only credit card may mean you are unable to make non-cash purchases at some stores.

Approval: Some Discover credit cards require a credit score above 700 for approval, and even cards that are easier to get require scores well into the "good" credit score range.

Who should use Discover?

Given the positives and negatives, Discover cards are probably best for individuals who have good credit and who are open to having more than one credit card. Discover’s reward structure is great when its 5% cash back program applies to products you are likely to buy, but at times, you’ll find you’re better off taking advantage of rewards offered by other credit cards. You’re also less likely to get stuck at a store being unable to make a purchase if you have at least one other card that’s more widely accepted.

To decide whether a Discover card is right for you, evaluate your spending patterns and credit needs, and then compare Discover’s card offerings to its competitors.


Articles on Discover


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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.