Browse the Best Discover Network Credit Cards

Compare different types of Discover credit cards. Discover is not only a major issuer of credit cards, but also one of the few that operates its own payment network. The company’s Discover it line of cards offer something for everyone, including small businesses, students, frequent flyers, and more. Check out different types of Discover Cards below.

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Home & Garden Showplace Discover®

Home & Garden Showplace Discover®
  • Regular Purchase APR 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair
  • Intro Purchase APR 0% for 6 months after account opening date
  • Processing Network Discover
Read Review Visit Card Site Terms & Conditions
Date Reviewed: March 23, 2021
Best Benefits
  • 3% back on Home & Garden Showplace and True Value purchases
  • 2% back on gas and groceries
  • 1% back for all other purchases
  • $5 voucher every cardholder anniversary
  • Lowest purchase price guarantee
  • 24/7 roadside assistance
Rates & Fees
  • Intro Purchase APR: 0% for 6 months after account opening date
  • Regular Purchase APR: 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38

True Value Discover®

True Value Discover®
  • Regular Purchase APR 15.74%, 21.74%, 26.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 27.99% variable based on the Prime Rate
  • Cash Advance APR 27.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Discover
Read Review Visit Card Site Terms & Conditions
Date Reviewed: March 23, 2021
Best Benefits
  • 3% back on True Value and Home & Garden Showplace purchases
  • 2% back on gas and groceries
  • 1% back for all other purchases
  • $5 voucher every cardholder anniversary
  • Lowest purchase price guarantee
  • 24/7 roadside assistance
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 15.74%, 21.74%, 26.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 27.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
  • Cash Advance APR: 27.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38

Discover it® Business Card

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

Discover it® Miles

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

Discover it® Chrome Gas & Restaurants

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

Discover it® Secured

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $200

Discover it® Chrome for Students

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

NHL® Discover it®

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

Discover it® Cash Back

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

Discover it® Student Cash Back

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
Read Review Visit Card Site Terms & Conditions
Date Reviewed: July 08, 2021
Best Benefits
  • 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
Rates & Fees
  • 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: None the first time you pay late. After that, up to $40
  • Return Payment Penalty Fee: Up to $40

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What Is the Discover Payment Network?

Most people know Discover for their exceptional customer service and as a leading credit card issuer. After all, Discover credit cards are some of the most popular rewards cards in the industry. Most Discover credit cards are issued by Discover itself, much in the same way that Amex issues its own credit and charge cards.

What most people forget, however, is that Discover is a payment network. Like Mastercard and Visa, Discover is a processing network – as seen by the Discover financial services logo in the bottom corner of all their card products.

Discover also acts as the payment network for several other credit cards, including a variety of retail cards from banks like Comenity. Discover is the fourth largest payment network in size, trailing Visa, Mastercard, and American Express. There are currently over 16 million cards with the payment network in circulation.

Non-Discover Cards That Feature the Discover Payment Network

There aren’t many cards that use the Discover network outside of the bank’s proprietary cards. The two most noteworthy examples of other banks issuing Discover Cards are two retail cards from Comenity – one of the largest issuers of store credit cards. These cards are the True Value Discover® and the Home & Garden Showplace Discover®.

Other Discover Partners

Beyond Comenity Bank, Discover also has other global partners in their Discover network. These relationships help to increase the global acceptance of Discover – something with which the firm formerly struggled.

The most significant partner for the Discover network is Diners Club International. Diners Club is one of the originators of the credit card and formerly issued lucrative cards under its own banner. Discover acquired the Diners Club name is 2008, using it to increase its global reach further. Today, the extensive Diners Club International network greatly extends the usage of the Discover network nto Europe, Asia, and other areas.

Other global partners include:

  • BC Card – South Korea
  • RuPay – India
  • Troy – Turkey
  • Verve – Nigeria

What Are the Best Discover Network Credit Cards of 2021?

Since there are fewer Discover Cards in the discover network than any other type of credit card, picking your best option is much easier. This is especially true since most Discover-issued cards offer similar value and rewards. All cards, for instance, come with free FICO credit score access and no foreign transaction fees. Here are a few of the top card offers for 2021: