Maria Adams, Credit Cards Moderator
@m_adams
There are several types of Discover cards spanning a wide range of categories; cash back, travel, low interest, student, business, bad credit and more. All Discover cards have $0 annual fees and 0% foreign transaction fees. Plus, Discover matches all rewards earned during the first year for all their cards.
Discover is a card network, yet it also issues its own credit cards. All Discover cards offer a minimum of 1% cash back in rewards on purchases. Some cards give 5% cash back on purchases in select bonus categories that rotate each quarter, require activation and have a quarterly limit. Others offer 2% back on certain categories, up to a quarterly limit. Depending on the card, you may also get introductory 0% APRs for a certain period on purchases and/or balance transfers (followed by a regular standard rate).
Here are the main types of Discover cards:
- Cash back: Discover it® Cash Back, Discover it® chrome, NHL® Discover it® and more
- Travel: Discover it® Miles
- Students: Discover it® Student Cash Back and Discover it® Student chrome
- Bad credit / no credit: Discover it® Secured Credit Card
- Intro 0% APR: Discover it® Cash Back, Discover it® Miles and more
Discover offers credit cards for nearly every need and preference imaginable. With the exception of Discover it Secured Credit Card (bad/no credit), the student cards (limited credit) and the Discover it Miles card (good credit), you need a minimum of fair credit to get a Discover card. The downside is that Discover cards aren’t as widely accepted abroad as credit cards on the Visa and Mastercard networks.

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