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 1. Discover
    
 2. Credit Cards
    





CREDIT CARDS


COMPARE AND APPLY FOR THE BEST DISCOVER CREDIT CARD FOR YOU

Discover credit cards include rewards like cash back or miles so you can pick
the best rewards credit card for you.

All with no annual fee

See if you’re pre-approved with no harm to your credit score7

Check Now


DISCOVER IT® CASH BACK CREDIT CARD


★★★★★
★★★★★
4.7 / 5 Average of 33751 Reviews 
See how we calculate our ratings


Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the
quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

No annual fee

New Intro APR

0% Intro APR† for 15 months on purchases and balance transfers and 3%
Intro Balance Transfer Fee until July 10, 2024.

Then 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future
balance transfers will apply.

†See rates, rewards, fees, and other cost information > , Opens new window
Read More >

Unlimited Cashback Match


Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Read Less >
Apply Now
Learn More >



DISCOVER IT® STUDENT CASH BACK CREDIT CARD


★★★★★
★★★★★
4.8 / 5 Average of 1838 Reviews


See how we calculate our ratings

Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the
quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Read More >

0% Intro APR† for 6 months on purchases.

Then 18.24% - 27.24% Standard Variable Purchase APR will apply.

†See rates, rewards, fees, and other cost information > , Opens new window
Read Less >
Apply Now
Learn More >



DISCOVER IT® SECURED CREDIT CARD


★★★★★
★★★★★
4.6 / 5 Average of 2749 Reviews


See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each
quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Build your credit with responsible use.3

Read More >

28.24% Standard

Variable Purchase APR† applies.

†See rates, rewards, fees, and other cost information > , Opens new window

Your credit line will equal your deposit amount, starting at $200.4

Read Less >
Apply Now
Learn More >



DISCOVER IT® STUDENT CHROME CREDIT CARD


★★★★★
★★★★★
4.8 / 5 Average of 1103 Reviews


See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases
each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Read More >

0% Intro APR† for 6 months on purchases.

Then 18.24% - 27.24% Standard Variable Purchase APR will apply.

†See rates, rewards, fees, and other cost information > , Opens new window
Read Less >
Apply Now
Learn More >



DISCOVER IT® MILES CREDIT CARD


★★★★★
★★★★★
4.3 / 5 Average of 1054 Reviews


See how we calculate our ratings

Earn unlimited 1.5x Miles

on every dollar of every purchase — from airfare and hotels to groceries and
online shopping.

No annual fee

Unlimited Discover Match®

We’ll automatically match all the Miles you’ve earned at the end of your first
year.1 There's no signing up, no minimum spending or maximum rewards. Just a
Mile-for-Mile match.

Read More >

0% Intro APR† for 15 months on purchases and balance transfers. 3% Intro Balance
Transfer Fee until July 10, 2024.

Then 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future
balance transfers will apply.


†See rates, rewards, fees, and other cost information > , Opens new window
Read Less >
Apply Now
Learn More >



DISCOVER IT® CHROME GAS & RESTAURANT CREDIT CARD


★★★★★
★★★★★
4.5 / 5 Average of 2446 Reviews


See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases
each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Read More >

New Intro APR

0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro
Balance Transfer Fee until July 10, 2024.

Then 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future
balance transfers will apply.

†See rates, rewards, fees, and other cost information > , Opens new window
Read Less >
Apply Now
Learn More >



NHL® DISCOVER IT® CREDIT CARD


Cards for all 32 teams


Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the
quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the
end of your first year, automatically. There is no limit to how much we'll
match.1

Read More >

New Intro APR

0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro
Balance Transfer Fee until July 10, 2024.

Then 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future
balance transfers will apply.

†See rates, rewards, fees, and other cost information > , Opens new window
Read Less >
Apply Now
Learn More >



HOW TO APPLY FOR A CREDIT CARD ONLINE


Look for top features and benefits


Choose the best credit card for you


See if you're pre-approved
Look for top features and benefits

When you consider credit card offers, it's important to know whether you want a
card with no annual fee, a balance transfer offer, cash rewards or travel
rewards, a 0% introductory APR, enhanced security programs, or other benefits.


Learn More
Choose the best credit card for you

Once you know the card features that matter to you, you can review the benefits
of each credit card online and pick one most likely to approve someone with your
credit score.

Compare Credit Cards
See if you're pre-approved

You might already be preapproved for a credit card that has everything you
want-Discover makes it possible to find out before you submit a credit card
application, and checking won't hurt your credit.

See if you're pre-approved
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CREDIT CARD FAQS

Find information on Discover cards, how to apply for a credit card online, and
more.


HOW CAN I IMPROVE MY CHANCES FOR APPROVALS AND HIGHER CREDIT LIMITS WHEN I APPLY
FOR A CREDIT CARD?

Credit card companies consider a number of factors in their decision to approve
your application, including your credit history and your ability to repay. So
they may consider your credit score, income and more. One of the simplest
helpful credit habits is to make at least the minimum payment for all of your
bills on time every month.


WHAT IS A CREDIT LIMIT FOR A CREDIT CARD?

Your credit limit is the maximum amount of the revolving line of credit on your
card—or the total amount you can use on your card for purchases, balance
transfers, etc. When you apply for a credit card, the bank or credit card
company uses a variety of information to decide what credit limit they can
offer. As you show responsible credit use, credit card issuers may increase your
credit card limit.


IS DISCOVER CARD ACCEPTED EVERYWHERE?

Discover is accepted nationwide by 99% of the places that take credit cards.8
You can earn rewards with Discover when you shop in-store or online, order
take-out, and much more.


WHAT ARE THE DIFFERENT TYPES OF DISCOVER CARDS?

Discover credit cards are available on the Discover it® platform, a set of
common benefits we’re committed to providing to every customer. However, the
rewards and some extra benefits vary from product to product to be sure we can
give different customers what they need.

 

Discover it® Cash Back: earn rewards at different places

 

Discover it® Miles: great for vacations or staycations

 

Discover it® Chrome Gas & Restaurants: earn rewards on road trips

 

Discover it® Secured Credit Card: build your credit history3

 

Discover it® Student Cash Back: students earn rewards at different places

 

Discover it® Chrome for Students: students earn rewards at gas stations and
restaurants

 

NHL® Discover it®: put your favorite team on your card


WHAT CREDIT SCORE IS NEEDED TO APPLY FOR A DISCOVER CREDIT CARD?

Discover Card credit score requirements vary by product. In general, the
standard Discover it® Card is for people with established credit. But the
Discover Secured credit card is built for people looking to build or rebuild
their credit with responsible use.3 No matter what, cardmembers earn Discover
Card rewards on every purchase.


HOW MANY DISCOVER CARDS CAN YOU HAVE?

As a Discover® Cardmember, you can have two different credit cards. Discover
credit cards let you earn rewards on each eligible purchase, from cash back
rewards to miles for travel and more.


HOW CAN I VIEW INTRODUCTORY CREDIT CARD OFFERS AND FIND THE BEST NEW CREDIT CARD
OFFERS FOR ME?

You may receive credit card offers in the mail, by email, or online. Compare
your offers by rewards, sign-up bonus, benefits, APR (including introductory
rates), fees, and credit limits. Look for rewards programs that fit the way you
spend. If you know you’ll use the card for groceries, gas, dining, or travel,
you may be able to find a card that helps you earn more. And look for a sign-up
bonus that doesn’t have a minimum spending amount required to get your extra
rewards.


HOW CAN I GET A NEW CREDIT CARD FROM DISCOVER?

You can apply for Discover credit cards at Discover.com or by calling
1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel
credit cards. We also have Discover student cards. All our credit cards earn
Discover rewards on every purchase. You’ll need to be 18 or older to apply for a
card. If you're not yet 21, you will have to apply online. Discover Secured
credit card applicants must also apply online.


HOW CAN I APPLY FOR A CREDIT CARD?

If you’re thinking about how to get a credit card, check your credit score to
figure out your likely credit card eligibility. Then, a credit card comparison
can help you choose the one that’s best for you. It’s always good to check if
you’re pre-approved for a card before you apply. See if you’re pre-approved with
no harm to your credit score,7 but remember a full application for a credit card
may impact your credit score. Check to see if you‘re pre-approved.


HOW DOES A CREDIT CARD WORK?

A credit card is a revolving loan that you can use to make purchases. Each month
you’ll receive a statement telling you how much of the loan you have used and
have to pay back. If you pay the statement balance in full by the due date each
month, you won't be charged interest on purchases. Otherwise, your APR will
apply to your unpaid credit card balance and you’ll have interest charges in
your next statement. When you apply for a credit card, the credit card issuer
will pull your credit report–which could result in a hard inquiry–as one of the
factors they use to decide whether to approve your application. Credit cards
often provide rewards on purchases, which is usually a percentage of the amount
you spent with the card. A credit card comparison shows you different rewards
and benefits and can help you find the credit card that’s best for you.


WHAT’S THE EASIEST DISCOVER CARD TO GET?

There’s no easy credit card to get. Credit card approval isn’t guaranteed and
depends on many factors, like your credit history and income. If you have an
established credit history and good credit score, you may find you can get
approved for many cards. However, if you’re just starting your credit journey or
want to rebuild your credit history,3 a Discover it® Secured Card may be best
for you. Similarly, students with limited or no credit history may find that a
Discover student card better fits their financial needs. And remember, every
Discover credit card earns rewards on purchases.


WHAT ARE THE BENEFITS OF DISCOVER CARDS?

Discover offers many benefits across our line of products. All Discover Cards
offer rewards, either cash back or Miles, on each eligible purchase. Plus, only
Discover automatically gives unlimited Cashback Match to all new cardmembers:
we'll automatically match all the cash back you've earned at the end of your
first year.1 Also, Discover has no annual fee on any of our cards. We’re also
serious about protecting your personal information, with benefits that include
Online Privacy Protection, free Social Security number alerts, $0 Fraud
Liability Guarantee, and more.


WHY GET A CREDIT CARD?

There are many reasons to get a credit card: you may decide to apply for a
credit card for the rewards, APR (including intro rates), or sign-up offers. Or
you might want to build your credit history. Some credit cards, like Discover,
provide $0 Fraud Liability Guarantee, which means you’re never responsible for
unauthorized purchases on your Discover Card account.5 Also, credit cards often
provide extra benefits, like providing helpful alerts on your spending and more.


WHAT IS THE MINIMUM CREDIT SCORE NEEDED TO BE APPROVED FOR A CREDIT CARD?

Different credit cards require a different credit rating for approval. Some
cards are only for people with excellent credit or good credit. Other cards are
great if you have fair credit or are building or rebuilding credit. The credit
card company will run a credit check as part of its decision to approve your
application. It’s a good idea to check your credit score or get a copy of your
credit report before applying for a new card.


WHAT SHOULD I KNOW BEFORE APPLYING ONLINE FOR A CREDIT CARD?

It’s always good to check if you’re pre-approved to see your likely offers
before you apply for a card. You can see if you’re pre-approved with no harm to
your credit score,7 but each full application for a credit card may impact your
credit score.

Read more Credit Card FAQs


TOOLS TO HELP YOU CHOOSE THE BEST CREDIT CARD FOR YOU



 * Compare Credit Cards
 * Respond to My Mail Offer
 * Credit Card Interest Calculator




ARE YOU READY TO ADD A DISCOVER CREDIT CARD TO YOUR CREDIT JOURNEY?

What Does Pre-Approved Mean? >

 

Learn how and why you may receive pre-approved credit card offers, what to look
for, and how you can opt-out of pre-approved credit card offers.

Applying For A Credit Card Online >

 

Learn how to apply for a credit card online, increase your chances of approval
and protect your personal information while applying for credit cards online.

What Credit Card Do I Qualify For? >

 

Find out which credit cards you qualify for by trying an online card
pre-approved tool, checking doesn't impact your credit score and can personalize
your offer.




Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card,
NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured credit card

Cash Back Credit Cards


Intro purchase APR is 0% for 15 months from date of account opening then the
standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months
from date of first transfer, for transfers under this offer that post to your
account by July 10, 2024 then the standard purchase APR applies. Standard
purchase APR: 17.24% variable to 28.24% variable, based on your
creditworthiness. Cash APR: 29.99% variable. Variable APRs will vary with the
market based on the Prime Rate. Minimum interest charge: If you are charged
interest, the charge will be no less than $.50. Cash advance fee: Either $10 or
5% of the amount of each cash advance, whichever is greater. Balance transfer
fee: 3% Intro fee on balances transferred by July 10, 2024 and up to 5% fee for
future balance transfers will apply. Annual Fee: None. Rates as of March 29,
2024. We will apply payments at our discretion, including in a manner most
favorable or convenient for us. Each billing period, we will generally apply
amounts you pay that exceed the Minimum Payment Due to balances with higher APRs
before balances with lower APRs as of the date we credit your payment.

Travel Credit Card


Intro purchase APR is 0% for 15 months from date of account opening then the
standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months
from date of first transfer, for transfers under this offer that post to your
account by July 10, 2024 then the standard purchase APR applies. Standard
purchase APR: 17.24% variable to 28.24% variable, based on your
creditworthiness. Cash APR: 29.99% variable. Variable APRs will vary with the
market based on the Prime Rate. Minimum interest charge: If you are charged
interest, the charge will be no less than $.50. Cash advance fee: Either $10 or
5% of the amount of each cash advance, whichever is greater. Balance transfer
fee: 3% Intro fee on balances transferred by July 10, 2024 and up to 5% fee for
future balance transfers will apply. Annual Fee: None. Rates as of March 29,
2024. We will apply payments at our discretion, including in a manner most
favorable or convenient for us. Each billing period, we will generally apply
amounts you pay that exceed the Minimum Payment Due to balances with higher APRs
before balances with lower APRs as of the date we credit your payment.

Student Credit Cards


Intro purchase APR is 0% for 6 months from date of account opening then the
standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6
months from date of first transfer, for transfers under this offer that post to
your account by July 10, 2024 then the standard purchase APR applies. Standard
purchase APR: 18.24% - 27.24% variable, based on your creditworthiness. Cash
APR: 29.99% variable. Variable APRs will vary with the market based on the Prime
Rate. Minimum interest charge: If you are charged interest, the charge will be
no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash
advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances
transferred by July 10, 2024 and up to 5% fee for future balance transfers will
apply. Annual Fee: None. Rates as of March 29, 2024. We will apply payments at
our discretion, including in a manner most favorable or convenient for us. Each
billing period, we will generally apply amounts you pay that exceed the Minimum
Payment Due to balances with higher APRs before balances with lower APRs as of
the date we credit your payment.

Secured Credit Card


28.24% standard variable purchase APR . Intro Balance Transfer
APR is 10.99% for 6 months from date of first transfer, for transfers under this
offer that post to your account by July 10, 2024 then the standard purchase APR
applies. Cash APR: 29.99% variable. Variable APRs will vary with the market
based on the Prime Rate. Minimum interest charge: If you are charged interest,
the charge will be no less than $.50 . Cash advance fee: Either $10 or 5% of the
amount of each cash advance, whichever is greater. Balance transfer fee:
3% Intro fee on balances transferred by July 10, 2024 and up to 5% fee for
future balance transfers will apply. Annual Fee: None. Rates as of March 29,
2024. We will apply payments at our discretion, including in a manner most
favorable or convenient for us. Each billing period, we will generally apply
amounts you pay that exceed the Minimum Payment Due to balances with higher APRs
before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks of the National Hockey League.
NHL and NHL team marks are the property of the NHL and its teams. © NHL 2024.
All Rights Reserved.

 1. Cashback Match: Only from Discover as of February 2024. We'll match all the
    cash back rewards you've earned on your credit card from the day your new
    account is approved through your first 12 consecutive billing periods or 365
    days, whichever is longer, and add it to your rewards account within two
    billing periods. You've earned cash back rewards only when they're
    processed, which may be after the transaction date. We will not match:
    rewards that are processed after your match period ends; statement credits;
    rewards transfers from Discover checking or other deposit accounts; or
    rewards for accounts that are closed. This promotional offer may not be
    available in the future and is exclusively for new cardmembers. No purchase
    minimums.
    
    Discover Match®: Only from Discover as of February 2024. We'll match all the
    Miles rewards you've earned on your credit card from the day your new
    account is approved through your first 12 consecutive billing periods or 365
    days, whichever is longer, and add it to your rewards account within two
    billing periods. You've earned Miles rewards only when they're processed,
    which may be after the transaction date. We will not match: rewards that are
    processed after your match period ends; statement credits; rewards transfers
    from Discover checking or other deposit accounts; or rewards for accounts
    that are closed. This promotional offer may not be available in the future
    and is exclusively for new cardmembers. No purchase minimums.

 2. 2% Cash Back at gas and restaurants: You earn a full 2% Cashback Bonus® on
    your first $1000 in combined purchases at Gas Stations (stand-alone), and
    Restaurants each calendar quarter. Calendar quarters begin January 1, April
    1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the
    quarterly cap, and all other purchases, earn 1% cash back. Gas Station
    purchases include those made at merchants classified as places that sell
    automotive gasoline that can be bought at the pump or inside the station,
    and some public electric vehicle charging stations. Gas Stations affiliated
    with supermarkets, supercenters, and wholesale clubs may not be eligible.
    Restaurant purchases include those made at merchants classified as
    full-service restaurants, cafes, cafeterias, fast-food locations, and
    restaurant delivery services. Purchases must be made with merchants in the
    U.S. To qualify for 2%, the purchase transaction date must be before or on
    the last day of the offer or promotion. For online purchases, the
    transaction date from the merchant may be the date when the item ships.
    Rewards are added to your account within two billing periods. Even if a
    purchase appears to fit in a 2% category, the merchant may not have a
    merchant category code (MCC) in that category. Merchants and payment
    processors are assigned an MCC based on their typical products and services.
    Discover Card does not assign MCCs to merchants. Certain third-party payment
    accounts and digital wallet transactions may not earn 2% if the technology
    does not provide sufficient transaction details or a qualifying MCC. Learn
    more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and
    Conditions for more information.

 3. Build credit with responsible use: Discover reports your credit history to
    the three major credit bureaus so it can help build/rebuild your credit if
    used responsibly. Late payments, delinquencies or other derogatory activity
    with your credit card accounts and loans may adversely impact your ability
    to build/rebuild credit.

 4. Minimum Security Deposit: If approved, you must make a minimum security
    deposit of $200 (or more, in increments of $100 up to $2,500), which will
    equal your requested credit limit. Discover will determine your maximum
    credit limit by your income and ability to pay.

 5. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have
    not given access to your card information to another person or a merchant
    for one-time or repeated charges. Please use reasonable care to protect your
    card and do not share it with employees, relatives, or friends. Learn more
    at Discover.com/fraudFAQ.

 6. About product reviews: We calculate the average product rating based on
    ratings that customers submit. We exclude some reviews from being displayed
    for reasons such as the customer included profanity, reviewed the wrong
    product, submitted inappropriate or irrelevant content, or revealed
    personally identifying information. Reviews are not filtered, edited, or
    deleted simply because they are negative or are lower rated. If a review is
    excluded, the associated rating is not calculated in the average product
    rating.

 7. There is no hard inquiry to your credit report to check if you’re
    pre-approved. If you’re pre-approved, and you move forward with submitting
    an application for the credit card, it will result in a hard inquiry which
    may impact your credit score. Receiving a pre-approval offer does not
    guarantee approval. Applicants applying without a social security number are
    not eligible to receive pre-approval offers. Card applicants cannot be
    pre-approved for the NHL Discover Card.

 8. Acceptance: According to the Feb 2023 issue of the Nilson Report.

Expand


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