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.
 | Discover it® Cash Back will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. | | Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 17.24% - 28.24% Variable | $0 |
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| Discover it® Student Cash Back will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. Plus, you earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. | | Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 10.99% for 6 months | 18.24% - 27.24% Variable | $0 |
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| Discover it® Chrome will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 2% cash back at gas stations and restaurants (on up to $1k in combined purchases every quarter with no quarterly activation required). All other purchases earn 1%. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 17.24% - 28.24% Variable | $0 |
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| Discover it® Miles will match all the miles you've earned at the end of your first year. This offer is limited to new cardmembers only. This card earns 1.5x miles on all purchases and has no annual fee. | | Our Review: Discover it Miles rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Plus, as a promotion, the card will match the miles you earn at the end of your first year... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 10.99% for 15 months | 17.24% - 28.24% Variable | $0 |
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| Discover it® Secured reports to the 3 major credit bureaus to help you build or rebuild credit with responsible use. The minimum refundable security deposit is $200 (up to the amount Discover approves) and your credit line equals your deposit. Starting at 8 months, Discover will perform automatic monthly reviews based on your responsible credit management across all your credit cards and loans to see if you could qualify to transition to an unsecured line of credit. You will see your FICO credit score for free on your monthly statement and in your online account. There is no annual fee.
But here's where it gets interesting. Discover it® Secured credit card offers rewards: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter); 1% cash back on other purchases. As a promotion for new cardmembers, Discover will match all the cash back you've earned at the end of your first year. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 10.99% for 6 months | 28.24% Variable | $0 |
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| Discover it® Student Chrome will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 2% cash back at restaurants and gas stations (on up to $1k in combined purchases every quarter with no quarterly activation required). All other purchases earn 1%. Plus, you can earn $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 10.99% for 6 months | 18.24% - 27.24% Variable | $0 |
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Disclaimer: The information for the Discover it® Cash Back, Discover it® Student Cash Back, Discover it® Chrome, Discover it® Miles, Discover it® Secured, and Discover it® Student Chrome has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
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.
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.
