The best Discover card for no credit is the Discover it Secured Card because it gives 2% cash back on up to $1,000 spent per quarter at gas stations and restaurants, 1% 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 2% cash back, has a 0% APR on purchases for 6 months, and offers a $20 statement credit each year you have a 3.0+ GPA. The other option is Discover it Student Cash Back, which offers 5% cash back on up to $1,500 spent per quarter in categories that rotate. You also get the 0% APR and good grades credit. Both Discover it student cards have no annual fee and are available to students with limited or no credit.
Here are the best Discover cards for no credit history:
Discover it Secured: $0 annual fee. $200+ deposit required. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter; 1% 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% back on all other purchases. First year’s cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% APR on purchases 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. 0% APR on purchases for 6 months.
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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