Compare Discover credit cards with no annual fee

Earn cash back and Discover will double it at the end of your first year.

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Discover is probably the most generous card issuer in the US, as it doesn’t charge an annual fee for any of its cards and instead of offering a flat signup bonus, Discover matches any cash back you earn during your first year.

You won’t find a large variety of cards, such as hotel cards, airline cards or store cards, but you can find decent cash back and travel options that could help you earn rewards on your purchases or save money on interest with an intro APR period.

Compare Discover credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
$0
0% intro for the first 14 months (then 13.74% to 24.74% variable)
0% intro for the first 14 months (then 13.74% to 24.74% variable)
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
$0
10.99% intro for the first 14 months (then 13.74% to 24.74% variable)
0% intro for the first 14 months (then 13.74% to 24.74% variable)
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
$0
0% intro for the first 14 months (then 13.74% to 24.74% variable)
0% intro for the first 14 months (then 13.74% to 24.74% variable)
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
$0
10.99% intro for the first 6 months (then 24.74% variable)
24.74% 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.

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How to compare Discover cards with no annual fee

When comparing Discover cards with no annual fee, consider the following:

  • Do you travel often?
    The Discover it® Miles Travel Credit Card could be a solid choice for frequent travelers as it lets you earn unlimited miles on everything you buy with the card. Keep in mind, Discover cards aren’t as widely accepted overseas as Visa or Mastercard.
  • Do you want to earn cash back?
    Aside from the Discover it® Miles Travel Credit Card, all other Discover cards earn cash back. You can either earn cash back on quarterly rotating categories or in predetermined categories.
  • Do you want to earn a signup bonus?
    Discover offers something special — a cashback match. This means Discover will double the cash back or miles you earn during your first year, without limits. For example, if you earn $1,000 cash back on your own, Discover will give you another $1,000 for a total of $2,000 cash back.
  • Are you a student?
    Discover offers two credit cards for students, the Discover it® Chrome for Students and the Discover it® Student Cash Back. Both cards offer cashback match, good grades reward of $20 each year your GPA is 3.0 or higher, and a 0% intro APR period on purchases. The main difference is the cash back that each card offers.
  • Do you want a 0% intro APR period on balance transfers?
    All cashback cards, except for the student cards and the secured card, offer 0% intro APR period longer than a year.
  • Do you want a 0% intro APR period on purchases?
    All Discover cards, except for the secured card, offer a long 0% intro APR period on purchases. However, the intro APR period on purchases on the student cards is shorter than the other cards.

Will I earn more rewards if I pay an annual fee?

No, because there is no Discover credit card that has an annual fee.

Consider a no-annual-fee card from another brand

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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Bottom line

Most Discover cards with no annual fee let you earn cash back, while only one card earns miles. If you’re looking to use a 0% intro APR period on balance transfers or purchases, you’ll find most of the cards suitable. However, if you’re looking to earn higher rewards by paying an annual fee, you’ll be disappointed as there is no such Discover card.

If none of the cards fit your needs, check out other credit cards to compare your options.

Frequently asked questions

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