Discover cards are some of the most popular credit cards on the market, especially among people who want to earn bonus rewards without paying membership fees. All Discover credit cards offer $0 annual fees, $0 foreign transaction fees, and a first-year rewards match. Most Discover it cards also require at least good credit for approval, but there are some very good offers for people with lower credit scores, too.
It’s also worth noting that Discover (a WalletHub partner) is the 6th largest credit card issuer in the U.S. by purchase volume and outstanding balances. Its popularity indicates that it must be doing a thing or two right.
Below, you can compare the latest Discover credit card offers, read customer reviews and more. For additional insights, check out our editors’ picks for the best Discover credit cards right now.
Bonus reward categories rotate, require quarterly signup and limit earnings
Balance transfer fee
Rewards Details
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Every $1 you earn in cash back is $1 you can redeem.
Additional Info
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Every $1 you earn in cash back is $1 you can redeem.
Additional Info
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
Additional Info
0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR will apply.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Discover is accepted nationwide by 99% of the places that take credit cards.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Every $1 you earn in cash back is $1 you can redeem.
Additional Info
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual or monthly fees & No fees for account opening
Up to 2% cash back
First-year rewards doubled
Relatively low minimum deposit
Cons
High regular APR
Rewards Details
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Additional Info
No credit score required to apply.
No Annual Fee, earn cash back, and build your credit with responsible use.
Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Out of the Blue Closed account. I tried to log on and kept getting an error message, so I called. I was told I tried to login too many times, so they reset my password. When I was finally able to log in, got another message on my screen my account was closed. I was still on the phone, and asked why didn't you tell me this at first, you would think that's an important thing to tell a customer. I was told I can re-apply, I told them flat out, why would I re-apply to a company that just hurt a little my credit report, when you are randomly closing accounts? I had no balance on the card, but what a joke of a company. Also while I was on the phone received an email to "Activate to earn 5% cash back with your Discover Card", what a slimy company. I have good credit above 800, never a missed payment, or anything, and then they do that, what a joke.
Closed my account the day I received the car so an activated it. Said it was good to go use so I tried with shopping cart full. Nothing was deactivated without telling me why
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Product: Discover Credit Cards
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Karen @kayek67
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5 Star Rating
Verified Customer
I've enjoying the 5% CB, especially for the past holiday. A great supplemental card to have for those CB quarterly spending opportunities.
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knoxcop1 @knoxcop1
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5 Star Rating
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Excellent customer support, easily raises cred line, approved fast. Excels offers for zero percent balance transfers. Recommend auto pay on all cards to keep credit rate high.
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Eduard @en57uanic
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5 Star Rating
Verified Customer
Fast approval and card delivery, excellent support, fast report to credit history and good monitoring of any changes. I'd recommended their credit card
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Christopher @boldchris
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3 Star Rating
Verified Customer
The most terrible customer service and the most terrible selection of personal cards on all factors.... I have an 801 score, perfect credit, and they wont raise me to even 3000 after 4 perfect years on that card alone let alone the others. I was getting letters that didn't make sense for denial as there was no adverse things listed. This is what happens now. You can't get a limit increase unless you're using over 80 percent limit and why the heck would anyone willingly do that. Of course, it took many calls and over a dozen attempts to raise the limit to show them how they can't make sense of it. So, this along with the loan application i didnt make that is in my name denied for locking the credit bureaus...Discover...a new card as soon as you can get some credit card company that wants to work with people who care.
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Lisa @lcmoody1
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5 Star Rating
Verified Customer
Much better at credit limit increases than cap1. I've had both cards 5 years, both with $300 starting limit, same rewards. Cap1 increased to $1100, Discover $5500. The irony is I paid cap1 in full but often carried a balance with Discover! Better customer service at Discover as well.
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Jacob @jacob_mcdaniel2014
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The Discover IT Cash Back card is an excellent starter card for someone looking to have a very decent everyday card. There are better cards once you get over that 675-700 mark though.
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Hermena @GraduateHLT2013
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EZ and convient card to use. Customer service is professional. I have not had any issues. I especially like rewards and options of use.
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Product: Discover Credit Cards
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Lacy Koser @lacydl1978
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With this card, I like the No APR for 15 months - that has come in handy and none of my other cards have had that promotion. Then it checks off all my other boxes - no annual fee, cash back rewards (that they match at the end of the first year!) and they gave me a significant line of credit.
The Discover cash back bonus pays you back a certain percentage of the money you spend as a reward. The Discover cash back bonus can be redeemed either at select merchants or for cash. More specifically, there are three types of Discover cashback bonuses:
5% bonus rate: You earn 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), and 1% back on all other purchases. The Discover credit cards that offer this deal are the Discover it® Cash Back, the NHL® Discover it®, and the Discover it® Student Cash Back.
Cash back in categories that don't change: Other Discover cards offer a cashback bonus in certain categories that never change. Discover it® chrome, Discover it® Student chrome and Discover it® Secured Credit Card offer 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases.
Cashback Match: There's a final Discover cashback bonus that all Discover cards have. With Cashback Match, Discover will match all the rewards you earn the first year your account is open. So, if you rack up $500 in rewards during the first 12 months, for example, Discover will tack on another $500 as an anniversary present.
Discover's 2% cash back bonus and Cashback Match are fairly simple, but there are several other details you'll need to know about the 5% bonus. To start, Discover has a cash back calendar showing when the categories rotate. And to get the 5% Discover cashback bonus, you need to “activate” it every quarter. You can easily do so by logging in to your Discover account from their cash back bonus page. You can activate the new categories on the first day of the quarter.
The Discover card benefits include no annual fee and no foreign transaction fees on any card, along with security features such as SSN alerts and the ability to freeze your account on demand. Discover will also match all the rewards you earn in your first year. Plus, there's a “Cash at Checkout” feature that allows cardholders to withdraw cash when making a purchase with a Discover card at specific retailers. Withdrawals are limited to $120 every 24 hours. They are charged at the card's regular purchase APR, rather than the higher cash advance APR. All of these perks come standard on all Discover cards.
It's important to note that Discover discontinued several key benefits in 2018. Travel insurance and auto rental coverage are no longer available as of February 28, 2018. Purchase protection, extended warranties, and return guarantee protection were also dropped at that time. The price protection benefit was cut on October 31, 2018. Purchases and claims posted before the expiration dates still received coverage.
Discover will continue to provide free security benefits on all cards. They include 24/7 account monitoring, alerts that notify cardholders if their personal information has been compromised, and a “Freeze it” account feature. “Freeze it” allows cardholders to temporarily prevent any new purchases, cash advances or balance transfers if their card is lost or stolen.
The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as grocery stores, drug stores, and select streaming services. Cash back categories are the types of purchases that cardholders can earn 5% cash back on, up to $1,500 spent per quarter.
Here are the Discover it Cash Back Categories for 2023
January-March: Grocery Stores, drug stores, and select streaming services
April-June: To be announced
July-September: To be announced
October-December: To be announced
The categories rotate every quarter, and any purchases in these categories over the $1,500 quarterly limit earn 1% cash back until the next quarter. Purchases that don't qualify for the Discover it Cash Back card's bonus categories also get you 1% cash back.
Purchases fall into a bonus category based on "Merchant Category Codes," which are assigned by credit card networks to merchants according to the type of business they're operating. Keep in mind that you need to “activate” the categories each quarter on Discover's website. Fortunately, it's a simple process – you'll just have to log in to your online account and confirm the activation.
You can see the fine print for any exceptions to the categories on Discover's website. For example, Walmart and Target don't count as grocery stores.
It's also good to note a few other Discover credit cards have the same categories as the Discover it® Cash Back card each quarter. They are the Discover it® Student Cash Back and the NHL® Discover it® credit cards.
You can see what Discover it Cash Back designs are available online, either while applying for the card or, if you're already a cardholder, by logging into your account. Options for Discover it Cash Back designs depend on whether you're opening a new account or looking for a replacement card. You'll have a small number of generic designs to choose from when applying for a new account. But once your account is open, you can immediately order a replacement card bearing any of this card's many designs.
You can pick from a selection of 100+ designs in categories ranging from “Botanical” and “Patriotic” to “Sports” and “Wildlife.” Plus, it's free and really easy to do.
Here's how to get a new Discover it Cash Back card design:
1. Log into the Discover Account Center.
2. Pick a new design from the available options. There are more than a dozen categories and over 100 individual designs.
3. Wait 3-7 business days for your new card to arrive. Then destroy or return your old one. Your account number will stay the same.
Unfortunately, you can't see the full list of Discover it Cash Back designs without logging in. So, you can't check whether you like any of them before being approved for a card. Furthermore, the only credit card designs exclusive to Discover are those from NHL® Discover it®. You can personalize this card with a design for any of the teams in the National Hockey League.
Finally, it's worth noting that other credit card companies take card designs to another level by allowing you to upload a custom image. You can certainly compare these so-called photo credit cards to see what else they bring to the table. But you shouldn't get too caught up in appearances. At the end of the day, what your credit card looks like doesn't matter. What it offers in terms of rewards, rates and fees is what's important.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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