Discover Credit Cards

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Discover credit cards are known for generous rewards, 0% introductory APRs, no foreign transaction fees, and customer service that treats you like you. Discover, launched nationally with a 1986 Super Bowl ad, 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.

Even though they all share the “Discover it” brand name, there’s actually a lot of variety among the current crop of Discover credit card offers. 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. … show more

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	$0	1 - 5% Cash Back	0% for 14 months
Travel Rewards	Discover it® Miles	$0	1.5 miles / $1	0% for 14 months
Gas & Dining	Discover it® chrome	$0	1 - 2% Cash Back	0% for 14 months
Balance Transfer	Discover it® Balance Transfer	$0	1 - 5% Cash Back	0% for 6 months
Bad Credit	Discover it® Secured	$0	1 - 2% Cash Back	Not Offered
College Students	Discover it® Student chrome	$0	1 - 2% Cash Back	0% for 6 months
Hockey Fans	NHL® Discover it®	$0	1 - 5% Cash Back	0% for 14 months

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.

Even if you only plan to use your card domestically, we recommend comparing the following Discover credit cards to cards on the three other major networks. This will give you the best chance of finding the perfect card for your needs.

If you have a question about an existing account, you can reach Discover card customer service at 1-800-347-2683.

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Discover it® Cash Back

1,066 Reviews

Rates & Fees

Purchase Intro APR

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0% for 14 months

Transfer Intro APR

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0% for 14 months | Transfer Fee: 3%

Regular APR

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13.99% - 24.99% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.

Additional Info

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See More Details & Reviews About TheDiscover it® Cash Back

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Discover it® Secured

2,275 Reviews

Rates & Fees

Secured Credit Card

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Min Deposit of $200

One-Time Fees

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None

Regular APR

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24.99% (V)

Annual Fee

Monthly Fee

None

Rewards Rate

1 - 2% Cash Back

Minimum Credit

Limited History

Apply Now

Show Details Hide Details

Rewards Details

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
We automatically match all the cash back you’ve earned at the end of your first year.

Additional Info

No Annual Fee, earn cash back, and build your credit with responsible use.
It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
See More Details & Reviews About TheDiscover it® Secured

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Discover it® Balance Transfer

563 Reviews

Rates & Fees

Purchase Intro APR

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0% for 6 months

Transfer Intro APR

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0% for 18 months | Transfer Fee: 3%

Regular APR

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13.99% - 24.99% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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

100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See More Details & Reviews About TheDiscover it® Balance Transfer

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Discover it® Miles

284 Reviews

Rates & Fees

Purchase Intro APR

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0% for 14 months

Transfer Intro APR

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10.99% for 14 months | Transfer Fee: 3%

Regular APR

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13.99% - 24.99% (V)

Annual Fee

Rewards Rate

1.5 miles / $1

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
Earn unlimited 1.5x Miles for every dollar spent on all purchases all 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

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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No Annual Fee.
See More Details & Reviews About TheDiscover it® Miles

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Discover it® chrome

61 Reviews

Rates & Fees

Purchase Intro APR

→

0% for 14 months

Transfer Intro APR

→

0% for 14 months | Transfer Fee: 3%

Regular APR

→

13.99% - 24.99% (V)

Annual Fee

Rewards Rate

1 - 2% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
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.
Redeem your cash back for any amount, any time. Cash rewards never expire.

Additional Info

100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See More Details & Reviews About TheDiscover it® chrome

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NHL® Discover it®

20 Reviews

Rates & Fees

Purchase Intro APR

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0% for 14 months

Transfer Intro APR

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0% for 14 months | Transfer Fee: 3%

Regular APR

→

13.99% - 24.99% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Additional Info

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See More Details & Reviews About TheNHL® Discover it®

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Last Updated On: Sep 24, 2018

What is the best Discover credit card?

By: John Kiernan, Credit Card Editor Best Discover Credit Cards

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.

Here are the best Discover credit cards:

Bonus Cash Back: Discover it® Cash Back
Travel Rewards: Discover it® Miles
Gas & Dining: Discover it® chrome
Balance Transfer: Discover it® Balance Transfer
Bad Credit: Discover it® Secured
College Students: Discover it® Student chrome
Hockey Fans: NHL® Discover it®

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.

Ask the Experts

In search of information to help you better understand what makes Discover credit cards tick, we asked a panel of experts to weigh in on the following questions. To see an expert’s comments, click “READ More” after his or her name and bio.

Discover does not currently charge annual fees or foreign transaction fees on any of their credit cards; how likely is that to last?
Are credit cards that offer 5% back in rotating bonus categories a better deal for cardholders or card issuers?
Which do you think resonates more with consumers: an initial rewards bonus of a few hundred dollars for spending a few thousand dollars in the first three months, or a one-year anniversary bonus that doubles the rewards a cardholder earned the first year?
How would you compare Discover’s credit card advertising to that of other credit card companies?

: Jim Hawkins
Professor of Law, George Butler Research Professor at University of Houston Law Center
Read More

: John Reinhardt III
Lecturer in Accounting at Culver-Stockton College
Read More

: Adolph Neidermeyer
Professor of Accounting in the College of Business & Economics at West Virginia University
Read More

: Sarah K. Bryant
Professor Emeritus in Department of Finance and Supply Chain Management, Shippensburg University
Read More

Comparing Discover Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share...show moreshow less

Tim Marvin @timm_40

August 8, 2017

What type of credit card is Discover?

Thom Fotenberg @thom.f

August 8, 2017

It’s a Discover card…Discover is a card network and a card issuer, like Amex.

Tim Marvin @timm_40

August 8, 2017

Do Discover Card Miles expire?

Thomas friedman @ultralight11

August 8, 2017

Nope. They do not.

Debbie fischer @globetrotter4li

June 19, 2017

How much cash back do you get with Discover Card?

Peter Fox @PeterFox

June 19, 2017

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).

Debbie fischer @globetrotter4li

June 19, 2017

Is Discover better than American Express?

ROBERT SAMBRICK @robsam

July 5, 2017

Not really. Amex is actually better abroad. They’re about even in the US.

Tommy Davidson @tdvdson94

May 28, 2017

Is the Discover Card accepted in Canada?

@WalletHub

May 28, 2017

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.

Theo frank @frankth19

May 12, 2017

Is Discover the same as Diners Club?

@WalletHub

August 1, 2017

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.

Thomas friedman @ultralight11

April 29, 2017

Where is the Discover Card accepted?

@WalletHub

April 29, 2017

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.

Andy Santos @andys7

September 19, 2015

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.

Salina Sharudin @salinas1

June 16, 2015

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.

Donna george @dgeorge1307

March 7, 2015

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!

Sue Carver-Pope @sue.carverpope

November 1, 2014

HOW TO GET A CARD

@WalletHub

November 25, 2014

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.

Shelle Parsons @shelle.parsons.7

October 17, 2014

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.

Sierra Crupe @aliasfuzzytongue

September 29, 2014

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!

Benjamin Rosenfeld @benjamin.rosenfeld.7

August 29, 2014

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.

Eddie Howell @eddie.howell.73

March 27, 2014

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.

Joseph Broski @joseph_broski_16

June 23, 2014

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.

Jimmy Collins @jimmy.collins.3158

February 10, 2014

rewards and flexibility.

Jon Parla @jon.parla

February 6, 2014

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.

David @davidmtml

January 27, 2014

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.

Kathleen Morris @kathleen_morris_102

January 16, 2014

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.

Joe Costello @JOEjoeJoe3

January 9, 2014

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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Discover Credit Cards

2018’s Best Discover Credit Card Offers:

Popular Questions

What is the best Discover credit card?

Here are the best Discover credit cards:

Ask the Experts

Community Discussion

Tim Marvin @timm_40

Thom Fotenberg @thom.f

Tim Marvin @timm_40

Thomas friedman @ultralight11

Debbie fischer @globetrotter4li

Peter Fox @PeterFox

Debbie fischer @globetrotter4li

ROBERT SAMBRICK @robsam

Tommy Davidson @tdvdson94

@WalletHub

Theo frank @frankth19

@WalletHub

Thomas friedman @ultralight11

@WalletHub

Andy Santos @andys7

Salina Sharudin @salinas1

Donna george @dgeorge1307

Sue Carver-Pope @sue.carverpope

@WalletHub

Shelle Parsons @shelle.parsons.7

Sierra Crupe @aliasfuzzytongue

Benjamin Rosenfeld @benjamin.rosenfeld.7

Eddie Howell @eddie.howell.73

Joseph Broski @joseph_broski_16

Jimmy Collins @jimmy.collins.3158

Jon Parla @jon.parla

David @davidmtml

Kathleen Morris @kathleen_morris_102

Joe Costello @JOEjoeJoe3

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