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)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Good 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, 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 could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- 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)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Good 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, 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 could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- 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)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 2% Cash Back
Good 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.
- 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 could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- More Details & Reviews About Discover it® chrome
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
16.99% - 27.99% 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
- 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- 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 through to Discover’s website to see terms and conditions.
- More Details & Reviews About Discover it® Miles
Secured Card
Min Deposit of $200
One-Time Fees
$0
27.99% 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 history
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- 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 could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click through to Discover’s website to see terms and conditions.
- More Details & Reviews About Discover it® Secured Credit Card
Discover Credit Card Reviews
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Questions & Answers
Get answers to your questions about Discover Credit Card Reviews below. For more general questions, visit our Answers section.
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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 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 gas stations and digital wallets. 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: Restaurants and wholesale clubs
- July-September: Gas stations and digital wallets
- 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.
How can a student get the Discover good grades reward?
Where do I see what Discover it Cash Back designs are available?
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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