Tim Marvin @timm_40
What type of credit card is Discover?
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Thom Fotenberg @thom.f
It’s a Discover card…Discover is a card network and a card issuer, like Amex.
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Discover Credit Cards
Discover, launched nationally with a successful Super Bowl ad in 1986, is a credit card issuer, a card network and a WalletHub partner. It also pioneered America's first cash rewards program, which helps explain why more U.S. households have a Discover card than any other cash rewards card. Plus, it provides a fair amount of variety, offering cards for people with bad credit, students, rewards-seekers and folks looking to save on finance charges.
The main thing that distinguishes Discover credit cards from offers on the VISA and Mastercard networks is the fact that the latter two enjoy worldwide acceptance. Discover isn’t nearly as widely accepted outside the U.S. However, Discover has the third best rental car insurance policy (behind Amex and VISA), and the “it” card offers some of the best travel insurance.
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Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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23.99% (V)
Rewards Details
- Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
- Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Additional Info
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
- We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Secured Card - No Annual Fee
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 18 months 3% Transfer Fee
Regular APR
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11.99% - 23.99% (V)
Rewards Details
- You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® - 18 Month Balance Transfer Offer
Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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10.99% for 14 months 3% Transfer Fee
Regular APR
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11.99% - 23.99% (V)
Rewards Details
- Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
- Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your Miles as a statement credit towards travel purchases.
Additional Info
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- 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 your FICO® Credit Score for free on monthly statements, on mobile and online.
- No Annual Fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
- See More Details & Reviews About TheDiscover it® Miles
Purchase Intro APR
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0% for 14 months
Transfer Intro APR
→
0% for 14 months 3% Transfer Fee
Regular APR
→
11.99% - 23.99% (V)
Rewards Details
- Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® chrome
Purchase Intro APR
→
0% for 14 months
Transfer Intro APR
→
0% for 14 months 3% Transfer Fee
Regular APR
→
11.99% - 23.99% (V)
Rewards Details
- You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® - Cashback Match™
Purchase Intro APR
→
0% for 14 months
Transfer Intro APR
→
0% for 14 months 3% Transfer Fee
Regular APR
→
11.99% - 23.99% (V)
Rewards Details
- Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
- You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Additional Info
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
- See More Details & Reviews About TheNHL® Discover it® Card
Community Discussion
Comparing Discover Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.
Tim Marvin @timm_40
Do Discover Card Miles expire?
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Thomas friedman @ultralight11
Nope. They do not.
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Debbie fischer @globetrotter4li
How much cash back do you get with Discover Card?
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Peter Fox @PeterFox
Depends what card you’re talking about. But you can expect 1% cash back on most purchases, plus something extra in bonus categories. Discover it gives you 5% back in rotating bonus categories. Discover it Chrome has 2% back at restaurants and gas stations (up to $1k spent every 3 mo).
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Debbie fischer @globetrotter4li
Is Discover better than American Express?
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ROBERT SAMBRICK @robsam
Not really. Amex is actually better abroad. They’re about even in the US.
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Tommy Davidson @tdvdson94
Is the Discover Card accepted in Canada?
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@WalletHub
Yes, your Discover card should work in Canada. You can use it at any merchant displaying the Discover, Diners Club or Interac logo. That generally includes hotels, restaurants, vacation resorts and gas stations. Your card will also work at more than 46,000 Canadian ATMs. You can use this tool to see which merchants accept Discover cards in a particular city: https://www.discoverglobalnetwork.com/canada/#cityChoose. You may also want to bring a Visa or Mastercard as a backup, just in case.
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Theo frank @frankth19
Is Discover the same as Diners Club?
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@WalletHub
Discover purchased Diners Club International in 2008. So they’re distinct brands under the same corporate umbrella. But you can use a Discover card wherever Diners Club is accepted, and vice versa. That’s actually very important because with Diners Club in the fold, you can now use Discover cards at many more merchant locations around the world.
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Thomas friedman @ultralight11
Where is the Discover Card accepted?
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@WalletHub
Discover cards are accepted at 31 million merchant locations in 185 countries and territories. And while Discover cards are accepted at virtually every merchant that accepts credit cards within the United States, Canada and Mexico, acceptance abroad is less than perfect. So it’s generally wise to take a Visa or Mastercard as a backup. You can also check Discover’s website (https://www.discover.com/credit-cards/help-center/account/international-use.html) to see if you can use your card in a particular country.
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Andy Santos @andys7
The Discover IT card is the best. No annual fee and lots of cashback with no minimum required. Plus they have tons of other offers if you log in to your account. I am very happy with this card so far and have had no issues.
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Salina Sharudin @salinas1
I have the Discover Student Card. I chose it because as a college student, it offered me the best benefits while having no annual fees. I think it's a great starter card. It requires some responsibility, like all credit cards do, but its helping me build up a credit history. I really like the fact that you get 5% cash back (as either credit on your statement or deposited into your bank) and 1% cash back on everything else. It used to be that you could only cash out once you reached a certain amount. I don't remember exactly how much but it was like $10 or $25, but now you can use the cash back anytime. Just don't forget to sign up for the rewards each period (four months). Discover is really easy to use and they've treated me well. About six months after I got the card, they gave me a Starbucks gift card for making consistent payments and they've raised my credit limit. The website is very easy and simple to use, and the monthly statements tell you everything you need to know in a simple and concise way. If you're a college student, I strongly recommend that you consider the Discover Student card. It's pretty easy to sign up and apply, just make sure that you make your payments every month. It's a good idea to start building up your credit score early, and will help you build some responsibility while offering some modest rewards and being free of fees.
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Donna george @dgeorge1307
I just received my Discover It card in the mail about 2 weeks ago. I had to call customer service because I had a couple of questions. They were the best. I needed to change my personal information and I was delighted when she asked several questions to identify me as myself. Is was very comforting. I have made about 4 purchases using my It card. I have it set up on texting so every time there is a purchase, payment or other transaction I know about it. I am able to really keep control of any type of fraud or ID theft. The interest rate on my account is set at 10.5%. Plus my firs 8 months are interest free. It is low compared to other offers that I have seen. They also provide my FICO score which is great!! If I had known about all the Discover offered I sure what have applied a long time ago!
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Sue Carver-Pope @sue.carverpope
HOW TO GET A CARD
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@WalletHub
By clicking on a credit card’s name on this page you are directed to the card’s profile page. There you can find more information about the card’s interest rate, fees etc. If a card is suitable for you and you are interested in applying for it you can click on the "Apply Now" button. You will be directed to a webpage that will help you submit an application.
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Shelle Parsons @shelle.parsons.7
Right now my discover card is doing a thing where if you spend $2500 a month for 6 months, you get a $400 reward credit in addition to the usual rewards. I think this is a great deal for anyone who already puts $2500 a month on a credit card. I like Discover Card's rewards, and I like that you can use those rewards on Amazon.com. Last month their rewards item was 5% off on gas, making gas cheaper to buy with a Discover Card than with cash. What I would change is the interest rates! Especially the balance transfer checks.
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Sierra Crupe @aliasfuzzytongue
Well it's a credit card first and for most. So obviously it has interest rates. Whats really nice though is this whole 14 month zero percent interest. We we're having some trouble with bills, so we got online and applied for the Discover Card, waited about seven days and received it in the mail. We activated the card and it helped us out so much in the past couple of months. I will say though, one downside is trying to pay your rent in cash with a credit card. A lot of older people don't know about things like the Square Card Reader, so we had to try and get money orders to pay our rent. Well you cant buy money orders with credit cards, and getting cash back on the card does not fall under the zero percent interest. So we had to go to stores, but one item, get $60.00 cash back, buy another item, and get another $60.00 cash back. It was pretty frustrating to say the least. But, after using the card, we now have quite some time before we have to worry about interest rates, and by then the card will be paid off so it worked out perfect!
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Benjamin Rosenfeld @benjamin.rosenfeld.7
I've had a Discover rewards card for quite a while now. I don't recall exactly when I got it, but I've had it for a number of years. I like how you can go on their site and choose a picture for you card, though it would be better if they didn't limit you to what was there and let you upload your own. However, I can see how that would be abused. I chose the oil painting from Ferris Bueller's Day Off for my card. As for their rewards programs, I guess they're okay. I mean, they are in the business to make money, so they can't exactly give away all of their profits back to their customers. What I really like is how easy it is for me to use the rewards on Amazon.com. My only real complaint is that it's a credit card, and I don't really like credit cards. I would live it if I was secure enough to not need one, but I'm not and the Discover Card is one of the two credit cards that I currently have.
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Eddie Howell @eddie.howell.73
I’ve been a Discover card user for fifteen years and have had no complaints. My only other experience was with Capital One and their customer service left much to be desired. Discover has not been like that at all. Whenever my wife or I have had questions, customer service at Discover has always been helpful. We’ve also been notified by Discover a number of times when they noticed irregular charges on our card. In fact, our card was used once illegally and Discover notified us that very evening and had new cards out to us within two days. My card has no annual fee which is also very important to me.
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Joseph Broski @joseph_broski_16
Annual fees are always something I check for as well when applying for a card. I know there are other things that should probably be higher priority, but I don't feel I should pay a fee just to use the card.
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Jimmy Collins @jimmy.collins.3158
rewards and flexibility.
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Jon Parla @jon.parla
I have had a Discover card for eight years now. I find one of best features of the card is the cash back offering. I feel in order to really benefit from the cash back offering, a person needs to pay off their purchases each month because the interest rate for the card can be a little higher than normal. I also have found that the customer service offered by Discover is above average compared to other cards I have. From my experience it seems that Discover values a person as a customer and will most times do what they can to assist you with any concerns or problems that you may have. The only thing that I would change is the interest rate they offer, it is very difficult to get them to lower the rate even after being a customer for many years.
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David @davidmtml
I have had the Discover "It" credit card for approximately a year. I originally got it because I had a pretty limited credit history, and this seemed like the best card I could get approved for. The 1% cash back on all purchases is pretty standard, but you can earn 5% back each quarter on rotating categories. Some cards' categories are kind of off-the-wall, but with this card, it is on common purchases such as gas stations, restaurants, and grocery stores.
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Kathleen Morris @kathleen_morris_102
I have had a Discover card for a long time now. I originally applied for it because I was young and didn't have much credit and Discover accepted my application. I currently have the Discover It card and have no problems with it. I am planning on using it to transfer a balance within the next few months because they offer 18 months with no interest, which is always a good thing. Discover also has a decent rewards program. 1% cash back on all purchases adds up after a while. Their customer service is top notch. There is never a long wait time to speak to a representative and they are always willing and eager to help. The only negative thing about Discover is that it isn't always accepted everywhere like other cards are, however, most places in major cities accept it. I would recommend this card to others because Discover is a pleasant company to do business with.
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Joe Costello @JOEjoeJoe3
I have had the Discover it card for just about a year now and I have been very impressed. I originally got the card because I liked the promotional 0% interest rate on purchases, but I came to find that the cash back program is very rewarding. I get 1% back on all purchases and 5% back on restaurants (which I use often) and other things like movies. It doesn't sound like much, but the rewards have been adding up much faster than I expected. I have also been impressed by Discover's customer service. They are always available and pleasant and they work with you until your questions/issues are resolved.
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