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Compare Discover credit cards

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This card is a strong pick if you want cash back, intro APRs and no annual fees.

Visa and Mastercard tend to command the lion’s share of attention, but Discover is far from a B-player. In fact, it offers a small but impressive stable of cards, especially for no-annual-fee cashback products.

Best Discover credit cards

Look elsewhere if you want a powerful travel product. But if you want a no-annual-fee card with great cash back and an intro APR, Discover may be the provider for you.

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Best for cash back: Discover it® Cash Back

Discover it® Cash Back

Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.

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If you can keep track of rotating reward categories, you could earn great cash back from the Discover it® Cash Back Card. You’ll also like the card’s intro APR on purchases and balance transfers.

Best for travel: Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

Earn unlimited 1.5x Miles for every dollar spent on all purchases - from airfare and hotels to groceries and online shopping.

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The Discover it® Miles Travel Credit Card is a good travel pick if you don’t want to pay an annual fee. You’ll earn 1.5x miles on everything you buy, which makes the card similar to the solid Bank of America Travel Rewards Credit Card.

Best for fair or no credit: Discover it® Secured Credit Card

Discover it® Secured Credit Card

2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.

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Expect a better secured card by Discover with cash back on all purchases — rare for this kind of card. If you spend and make payments responsibly, you could get your security deposit back as soon as eight months.

Best for students: Discover it® Student Cash Back

Like Discover’s secured card, this student card is arguably the best contender on the market. With strong rewards, an intro APR, a cashback match and a good-grades reward, there’s a lot to like.

Discover rewards program

Almost all Discover cards offer cash back. For the provider’s travel card, you’ll earn miles.

If you earn cash back, you can redeem it for rewards that include:

  • Gift cards.
  • Instant eCertificates.
  • Charitable donations.
  • Statement credits.
  • Electronic deposits into an account of your choice.
  • Pay with Cashback Bonus at eligible merchants.

You can redeem miles for electronic deposits into your bank account or for travel statement credits.

How can you redeem rewards?

To redeem rewards, log in to your credit card account on the Discover website. Then click Rewards in the navigation bar.

How much are rewards worth?

Discover miles are worth 1 cent apiece, which is the industry standard.

Typical card features and benefits of a Discover card

  • No annual fee. All Discover cards have no annual fee.
  • Cash back. Almost every Discover card offers cash back. The exception is the provider’s travel card, which offers miles.
  • Intro APR. Many of Discover’s cards offer 0% intro APR for 14 months following your account opening on purchases and balance transfers. Even the student cards have intro APRs.
  • Rewards match. In lieu of traditional signup bonuses, Discover offers a cashback or mile match at the end of your first card year.
  • First late-payment fee waived. After your first late payment, you’ll be charged up to $37 per late payment.
  • Ongoing APR between 13% and 24% variable. A 13% APR is slightly below the average credit card APR of 16%.

Compare Discover credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
0%
1
Unsecured
$0
13.99% to 24.99% variable
0% for the first 14 months (then 13.99% to 24.99% variable)
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
680
10.99%
1.5
Unsecured
$0
13.99% to 24.99% variable
10.99% for the first 14 months from date of first transfer (then 13.99% to 24.99% variable)
Earn unlimited 1.5x Miles for every dollar spent on all purchases - from airfare and hotels to groceries and online shopping.
300
10.99%
1
Secured
$0
24.99% variable
10.99% for the first 6 months (then to variable)
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
680
10.99%
1
Unsecured
$0
14.99% to 23.99% variable
10.99% for the first 6 months (then 14.99% to 23.99% variable)
2% cash back on gas and dining. 1 on all other purchases.

Compare up to 4 providers

How to apply for a Discover card

Visit the Discover site and click Apply now on the credit card page. Before you apply, check that you meet the eligibility requirements and have the required information on hand.

Eligibility criteria

  • You need to be at least 18 years old.

Information you’ll need

To complete the application, you’ll need to provide information that includes:

  • Your name and residential address.
  • Your Social Security number and date of birth.
  • Your email address and phone number.
  • Financial information like your annual income and income source.

How does Discover keep my credit card information secure?

All Discover cards are embedded with chip technology, which makes them more secure than traditional magnetic-stripe cards. Discover offers several tools to enhance your account security, such as Social Security number alerts and a tool to freeze your account quickly.

Discover has a US-based fraud team that investigates suspicious transactions on your card account. If there is fraudulent activity on your account, Discover deactivates your card and sends you a replacement card. It offers a $0 fraud liability guarantee, so you’re never on the hook for unauthorized transactions.

Bottom line

Discover offers a great suite of credit cards, especially if you’re looking for a cashback, secured or student product. You’ll find great perks like no annual fees, intro APRs and reward matches.

If you’re not sure if a Discover product is right for you, compare other credit card providers .

Frequently asked questions

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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4 Responses

  1. Default Gravatar
    SGallegosFebruary 26, 2018

    Which Discover card can be used when travelling to China?

    • Default Gravatar
      johndeguzmanMarch 10, 2018

      Hi,

      Thank you for contacting finder.

      I understand that you have a question about which card is better to use when travelling to China.

      Please be advised that all discover cards can be used globally. Although the best option is to use the Discover it® Miles Travel Credit Card because this card gives you 1.5x miles or more for every dollar you spend on purchases.

      Thanks.

      John

  2. Default Gravatar
    mattFebruary 15, 2018

    Hello I’m traveling to mazatlan mexico I have a discover card I want to use not sure if it would be accepted at places there ?

    • finder Customer Care
      JoshuaFebruary 24, 2018Staff

      Hi Matt,

      Thanks for getting in touch with finder.

      According to Discover’s website, Mexico has “moderate acceptance” of their card. Moreover, your card is accepted if you see the logo “Discover” and “Diners International.”

      I would suggest, Matt that you get in touch with Discover to double check with them. This will not just save you from any trouble, but also be able to notify them that you are going overseas and prevent them from mistaking your foreign credit card use as unauthorized.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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