The best Discover card for no credit is the Discover it® Secured Credit Card credit card because it gives 2% cash back on up to $1,000 spent per quarter at gas stations and restaurants, 1% cash back on all other purchases, and a cash back bonus matching the amount you earn during your first year.
It requires a $200 deposit to open, and your credit limit is equal to your deposit. But after eight months of on-time payments, your account will be considered for an upgrade to an unsecured Discover card. So, there’s a chance you could get your deposit back if you’re responsible.
There is no Discover card with no deposit for most people with no credit. Students are an exception. The best Discover card for students with no credit is the Discover it® Student chrome card, because it gives 1 - 2% cash back, has an APR of 0% for 6 months, and offers a $20 statement credit each year you have a 3.0+ GPA.
The other option is the Discover it® Student Cash Back card, which offers 5% cash back on up to $1,500 spent per quarter in categories that rotate. You also get an APR of 0% for 6 months and good grades credit. Both Discover it student cards have no annual fee and are available to students with limited credit history.
Here are the best Discover cards for no credit history:
Discover it® Secured Credit Card: $0 annual fee. $200 deposit required. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter; 1 - 2% cash back on all other purchases. First year’s cash back matched.
Discover it® Student chrome: $0 annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter; 1% cash back on all other purchases. First year’s cash back matched. $20 statement credit for a 3.0+ GPA each school year. APR on purchases of 0% for 6 months.
Discover it® Student Cash Back: $0 annual fee. 5% cash back on up to $1,500 spent per quarter in spending categories that rotate. 1% cash back on all other purchases. First year’s cash back matched. $20 statement credit for a 3.0+ GPA each school year. APR of 0% for 6 months on purchases.
A Discover card for no credit can be a valuable tool to help you establish credit history and, eventually, build a good credit score. Just always pay on time (and in full if you’re able), and you’ll be in good shape.
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