Discover Credit Cards
Discover Cards with Great Reviews
- Discover it® Cash Back
- Discover it® Secured Credit Card
- Discover it® Miles
- NHL® Discover it®
- Discover it® Student chrome
- Discover it® chrome
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.
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
12.24% - 23.24% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Fair Credit
Pros
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
Cons
- Potential for a very high regular APR
- 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
Additional Info
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About Discover it® Cash Back
0% for 6 months
0% for 18 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
12.24% - 23.24% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Fair Credit
Pros
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Rotating categories which require activation
- 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
Additional Info
- No annual fee.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About Discover it® Balance Transfer
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
12.24% - 23.24% Variable
annual fee
$0
rewards rate
1.5 miles / $1
Good Credit
Pros
- $0 annual fee
- 1.5 miles per $1
- First-year rewards get doubled
- 0% foreign transaction fee
- Intro APRs on purchases and balance transfers
Cons
- High regular interest rate
- Not as rewarding after the first year
Rewards Details
- 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
- New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
- 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.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
- See More Details & Reviews About Discover it® Miles
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
12.24% - 23.24% Variable
annual fee
$0
rewards rate
1 - 2% Cash Back
Fair Credit
Pros
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- No initial rewards bonus
- 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. 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.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About Discover it® chrome
Secured Card
Min Deposit of $200
One-Time Fees
$0
23.24% Variable
annual fee
$0
monthly fee
$0
rewards rate
1 - 2% Cash Back
Bad Credit
Pros
- 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.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return 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.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About Discover it® Secured Credit Card
Discover Credit Card Reviews
What's Your Rating?
Especially if you’re into retail therapy and cash back bonus’s, this is the credit card for you!
Every 2-3 months, it offers discounts to support saving money (and of course using the their card).
And let’s not forget, the fun designs for the card it self! I love that I get to pick a design that fits who I am. Oh and the monthly payments are affordable and the APR is “accurate”
Questions & Answers
Get answers to your questions about Discover Credit Card Reviews below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
How does the Discover cashback bonus work?
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.
What is the Discover calendar?
The Discover calendar shows what purchases qualify for Discover's 5% cash back bonus rewards categories. Eligible cardholders can earn 5% cash back on up to $1,500 spent per quarter in the purchase categories listed on Discover's bonus rewards calendar, when they activate.
2022 Discover Calendar for 5% Rewards Categories:
Dates |
Bonus Categories |
January - March |
Grocery Stores and Fitness Club & Gym Memberships |
April – June |
Gas Stations and Target |
July – September |
Restaurants and PayPal |
October – December |
Amazon.com and Digital Wallets |
Discover's 5% cash back calendar applies to three Discover credit cards: Discover it® Cash Back, Discover it® Student Cash Back and NHL® Discover it® (this offer is not currently available on WalletHub and may be out of date). Cardholders must activate new bonus categories by the end of each quarter for purchases to qualify for the 5% rewards rate. And the bonus rate will apply only from the date of activation through the last day of the quarter. To activate a category, click the blue “Activate Now” link on the calendar.
Just bear in mind that there are exceptions to Discover's calendar categories. For example, purchases at restaurants inside other locations – like hotels, convenience stores and grocery stores – are not eligible. Neither are restaurant delivery purchases. PayPal purchases using tap-and-pay, virtual wallets or similar technology may not qualify, either. Each category has a bit of fine print. Be sure to read it.
What are the Discover Card benefits?
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.
What are the Discover it Cash Back categories for rewards?
The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as grocery stores, gas stations, restaurants and online retailers like Amazon and Target. 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 2022
- January-March: Grocery Stores and Fitness Club & Gym Memberships
- April-June: Gas Stations and Target
- July-September: Restaurants and PayPal
- October-December: Amazon.com and Digital Wallets (Apple Pay, Google Pay, Samsung Pay, and Garmin Pay included)
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.
How can a student get the Discover good grades reward?
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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