There’s a good chance the best Discover credit card for one person won’t be the best for another. A lot depends on your credit standing, for starters. If you have less-than-good credit, your only options are the Discover it® Secured and a pair of offers reserved for students. And if you have the good or excellent credit needed to get most Discover cards, which you choose will come down to your rewards or 0% APR preferences.
Do you want to earn rewards at the same rate on all purchases or get extra for purchases in bonus categories? If bonus categories, would you rather they stay the same or rotate? And if you’re interested in a 0% intro rate, do you need it for new purchases or balance transfers?
Answering those questions and reviewing the offers compared below will lead you the right card for your needs.
2018’s Best Discover Credit Card Offers:
|Best For…||Discover Card||Annual Fee||Earn Rate||Intro Purchase APR|
|Bonus Cash Back||Discover it® Cash Back||None||1 - 5% Cash Back||0% for 14 months|
|Travel Rewards||Discover it® Miles||None||1.5 miles / $1||0% for 14 months|
|Gas & Dining||Discover it® chrome||None||1 - 2% Cash Back||0% for 14 months|
|Balance Transfer||Discover it® Balance Transfer||None||1 - 5% Cash Back||0% for 6 months|
|Bad Credit||Discover it® Secured||None||1 - 2% Cash Back||Not Offered|
|College Students||Discover it® Student chrome||None||1 - 2% Cash Back||0% for 6 months|
|Hockey Fans||NHL® Discover it®||None||1 - 5% Cash Back||0% for 14 months|
You can learn more from WalletHub’s full review of the year’s best Discover credit cards. We also recommend checking to see which Discover credit cards made WalletHub’s list of the best credit cards for 2018.