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Date Reviewed: November 12, 2018
Discover it® Business Card
- Regular Purchase APR 12.99% to 20.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.99% to 20.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from date of account opening date
- Processing Network Discover
- Earn 1.5% unlimited cash back with no expiration for your rewards
- Unlimited cashback match
- No annual fee
- Up to 50 additional cards for employees at no extra cost
- Intro Purchase APR: 0% for 12 months from date of account opening date
- Regular Purchase APR: 12.99% to 20.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.99% to 20.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Up to 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 31, 2018
Discover it® Miles
- Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 14 months from date of account opening
- Processing Network Discover
- Earn unlimited 1.5x Miles for every dollar spent on all purchases
- Automatic cashback match your first year
- Redeem your Miles as a statement credit with no blackout dates
- Earnings never expire
- Intro Purchase APR: 0% for 14 months from date of account opening
- Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 10.99% for 14 months from date of first transfer
- Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 31, 2018
Discover it® Chrome Gas & Restaurants
- Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 14 months from date of account opening
- Processing Network Discover
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Discover will match all cash back earned by the cardholder at the end of their first year of card use; there is no limit to the amount of cash back that will be matched
- Cash back rewards never expire
- Get a free Credit Scorecard with your FICO® Credit Score
- No annual fee
- Intro Purchase APR: 0% for 14 months from date of account opening
- Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 14 months from date of first transfer
- Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Up to 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 31, 2018
Discover it® Secured
- Regular Purchase APR 22.99% variable based on the Prime Rate
- Balance Transfer APR 22.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Poor , No Credit Required
- Processing Network Discover
- 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases
- Discover automatically matches all the cash back you've earned at the end of your first year
- Easily view your FICO® Credit Score on monthly statements, mobile and online for free
- Automatic account reviews begin after 8 months of use to see if cardholders can transition to an unsecured line of credit and have their deposit returned
- No annual fee
- Regular Purchase APR: 22.99% variable based on the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers that post by June 10, 2020
- Balance Transfer APR: 22.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount for each transfer that posts at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $200
Date Reviewed: August 31, 2018
Discover it® Chrome for Students
- Regular Purchase APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , No Credit Required
- Intro Purchase APR 0% for 6 months from date of account opening date
- Processing Network Discover
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
- 0% intro APR on purchases for 6 months
- No annual fee, no late fee on first late payment. No APR change for paying late
- Intro Purchase APR: 0% for 6 months from date of account opening date
- Regular Purchase APR: 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 31, 2018
NHL® Discover it®
- Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Intro Purchase APR 0% for 14 months from date of account opening date
- Processing Network Discover
- Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases
- Discover automatically matches all the cash back you've earned at the end of your first year—only for new cardmembers
- View your FICO® score for free on monthly statements, mobile, and online
- Choose your team, show your pride - all 31 team logos are available as card art
- No annual fee
- Intro Purchase APR: 0% for 14 months from date of account opening date
- Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 14 months from date of first transfer
- Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of transfers that post at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 17, 2018
Discover it® Cash Back
- Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 14 months from account opening
- Processing Network Discover
- 5% cash back in rotating categories - choose from grocery stores, restaurants, gas stations, select rideshares and online shopping
- 1% cash back on all other purchases
- Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
- Cash back rewards never expire, earn unlimited cash back
- Use rewards at Amazon checkout
- No annual fee
- Intro Purchase APR: 0% for 14 months from account opening
- Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 14 months from date of first transfer
- Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 09, 2018
Discover it® Student Cash Back
- Regular Purchase APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , No Credit Required
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Discover
- No annual fee, and no late fee on the first late payment. No APR change for paying late.
- Discover automatically matches all the earned cash back at the end of the first year, with no limit to the amount that is matched
- $20 statement credit when GPA is 3.0 or higher every school year for up to five years
- Cash back rewards can be redeemed at any time and never expire
- 5% cash back on rotating categories each quarter, such as gas stations, restaurants, or wholesale clubs
- 1% cash back on all other eligible purchases
- 0% intro APR on purchases for 6 months
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Up to 5% of the amount of each transfer
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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Discover Credit Cards
Discover is one of the most popular credit card issuers in the United States. The company, which also offers full banking services, currently has nearly 40 million credit cardholders, making it the number nine card issuer in the nation.
Benefits That Comes with All Discover Cards
Discover cards are unique in that they all offer similar benefits. This simplicity is one of the most robust features of these cards, along with the first year Cashback Match. All cards feature:
- No annual fees
- Discover Freeze It® account locking
- Fraud protection
- Free overnight card delivery and replacement
- FICO Discover credit scorecard
- No foreign transaction fees
- No over-limit fees
- Year-end summary
- Cash at checkout
Equally impressive about the bank is their customer service. Discover uses U.S.-based customer service specialists whoa re available 24/7. The bank’s customer service always receives rave reviews from both customers and critics, who laud their fast answering times, ease of access, and friendly personnel.
Discover It® Credit Cards
Discover offers a unique range of credit cards that prize simplicity offer flashy rewards. That’s not to say, however, that their credit cards are short on value. Their cash back cards are on par with other offers from Capital One, Chase, and American Express.
Travel Cards
The bank offers a credit card specifically designed for those who travel. The Discover It® Miles Card earns 1.5X on all purchases. Rewards are applicable as statement credits towards travel purchases made with the card account, or for statement credits, cash back into associated accounts, gift cards, or purchases through Amazon.
The 1.5X points also equal 1.5% back, which places the card on par with several other excellent cash back credit cards, such as the Chase Freedom Unlimited or the American Express Cash Magnet Card.
Student Cards
Students who are new to credit have a lot to love when it comes to Discover credit cards. The bank offers two cards specifically for students: the Discover It® chrome for Students and the Discover It® Student Cash Back.
The chrome for Students Card earns 2% back on gas station and restaurant purchases, with all other purchases making an unlimited 1% back. The Student Cash Back Card is a student version of the regular It® Cash Back Card. That card earns 5% back on a rolling assortment of categories, and all other purchases earning unlimited 1% cash back.
Student credit cards are an excellent option for those new to credit, as they feature more relaxed credit requirements for applicants and more appropriate credit limits.
Cash Back Cards
Cash back is where Discover truly shines. The bank offers a vast assortment of cash back credit cards, including the student cards previously mentioned.
The assortment of the issuer’s cash back credit cards include:
- Discover It® chrome: The it® chrome earns 2% back on gas and dining and 1% back on all other purchases.
- Discover It® Cash Back: The Cash Back earns 5% back on the first $1,500 in purchases each quarter on a revolving set of categories. Every other purchase earns an unlimited 1% cash back.
- NHL Discover It®: The same card as the It® Cash Back but with the branding of the National Hockey League (NHL). Cardholders can choose a design from their favorite team and show their pride with every purchase.
Discover It® Cashback Match
All Discover credit cards come with the Cashback Match. This unique bonus means the bank matches all the earned cash back rewards a cardholder earns in their first year – dollar for dollar, with this being an offer that posts to your account automatically. That means that earning $500 in cash back is automatically doubled to $1,000. there is no set limit to the amount of cash back they’ll match, making this perk one of the best reasons to consider a Discover It® card.
This Cashback Match offer is only available to new cardmembers.
Discover It® Cash Back Calendar
The Discover It® Cash Back, Student Cash Back, and NHL Discover It® all earn 5% on a revolving set of categories. The 5% earning rate applies for the first $1,500 in spending each quarter, for a maximum of $75 cash back. Those 5% categories vary year by year. The 5% cash back calendar for 2020 is as follows:
- January to March: Grocery stores, Walgreens, and CVS
- April to June: Uber, Lyft, gas station purchases, and purchases at wholesale clubs
- July to September: Restaurants and PayPal
- October to December: Amazon.com, Walmart.com, and Target.com
Other Discover Cards
Discover also offers credit cards for businesses and for those rebuilding their credit. The Discover It® Secured Card is a secured credit card based on their chrome Card. The secured version requires a minimum deposit of at least $200. The card also earns the same 2% back on gas and dining and 1% back on all other purchases.
It also gets the Cashback Match after the first year, a benefit hard to find in the secured credit card space. Cardholders can also get their security deposit returned in as few as six months, with the bankupgrading them to the unsecured chrome card – just for displaying responsible credit use.
Discover also offers the Discover It® Business Card. That card rewards businesses with 0% intro APR for the first year, unlimited 1.5% cash back, and Discover’s Cashback Match. For consumers that want in on the 0% intro APR game, the Discover It® Balance Transfer is a version of the It® Cash Back that also comes with a lengthy introductory APR offer.
Things to Consider Before Applying for Discover Cards
Before applying for a credit card from Discover, consider these factors:
- Global Acceptance: Discover charges no foreign transaction fees, which is always welcome. Unfortunately, Discover’s payment network doesn’t have the same universal acceptance as Visa or Mastercard. While Discover is making gains in this area, it still lags, especially outside of North America and some parts of Western Europe. American Express also faces this issue.
- Total Number of Cards: Like other issuers, Discover has rules concerning the total number of credit cards an account can hold. The bank currently limits cardholders to two Discover credit card products.
- Reward Categories: Pay attention to the reward categories and make sure you plan to spend in those categories. This is especially true for the Discover It® chrome Card. Make sure you spend enough on gas station and restaurant purchases. Otherwise, the Miles or Cash Back cards might offer better value.
Discover Your Best Credit Card
Ready to find the perfect credit card for you? BestCards.com has over 800 comprehensive and impartial reviews of cards from issuers of all sizes. We also have extensive guides, advice, and news to help you stay up to date on the credit card industry, personal finance, and everything in between.
Ready to get started? Browse our full reviews, read our credit card news and advice, and find your best card today.
