Discover’s “unsecured” credit cards do not require a security deposit. Nearly all Discover cards are unsecured, so there are options to choose from whether you’re interested in cash back, travel rewards, low APRs, low fees or building credit. Just make sure to check your latest credit score as well as the cards’ approval requirements before you apply. Some unsecured Discover cards are easier to get than others.
The best Discover unsecured credit card is the Discover it Cash Back card because it has a $0 annual fee and offers solid rewards. The card gives 5% cash back on the first $1,500 spent in different categories each quarter. In the past these have included places like gas stations, grocery stores, restaurants, Amazon.com or wholesale clubs. There are also intro APRs of 0% for 14 months on purchases and 0% for 14 months on balance transfers.
Unfortunately, there are no Discover unsecured credit cards for bad credit. The easiest unsecured Discover cards to get are their student cards. They accept applicants with limited credit. But non-students with bad credit should consider putting a deposit down for the Discover it Secured card. It will help you build credit just as well as any unsecured card.
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