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Skip to main content Action required: Update your browser We noticed that you're using an old version of your internet browser to access this page. To protect your account security, you must update your browser as soon as possible. You'll be unable to log in to Discover.com in the future if your browser has not been updated. Learn more in the Discover Help Center Please Note: JavaScript is not enabled in your web browser. In order to enjoy the full experience of the Discover website, please turn JavaScript on. If JavaScript is disabled, some of the functionality on our website will not work, such as the display of rates and APRs. Menu * Help * Card Help Center * Card Smarts * Banking Help Center * Home Loans Help Center * Student Loans Help * Personal Loans Help * Gift Card Help * Search Search Discover When autocomplete results are available use up and down arrows to review and enter to select. Touch device users, explore by touch or with swipe gestures. * Log InOpens modal dialog . * Credit Card Products * * All Credit Cards * Discover it® Cash BackEarn cash back rewards * Discover it® Student Cash BackStart building credit in college * Discover it® Student ChromeEarn restaurant & gas rewards as a student * Discover it® SecuredBuild or rebuild your credit * Discover it® MilesExplore with the travel rewards credit card * Discover it® ChromeEarn restaurant & gas rewards * NHL Credit CardRepresent your team & earn cash back * Credit Cards by Feature * * Cash Back Credit Cards * Airline Travel Credit Card * Low Interest Credit Cards * Balance Transfer Credit Cards * Credit Cards for College Students * Credit Cards for No Credit History * Credit Cards to Build Credit * No Annual Fee Credit Cards * Tools and Resources * * Interest Calculator * Respond to Mail Offer * Check Application Status * Card Smarts Articles * - Getting a credit card * - Using your credit card * - Credit card rewards * Free Credit Score for Cardmembers . * Credit Card Products * Credit Cards by Feature * Tools and Resources * * All Credit Cards * * Discover it® Cash Back Earn cash back rewards * * Discover it® Student Cash Back Start building credit in college * * Discover it® Student Chrome Earn restaurant & gas rewards as a student * * Discover it® Secured Build or rebuild your credit * * Discover it® Miles Explore with the travel rewards credit card * * Discover it® Chrome Earn restaurant & gas rewards * * NHL Credit Card Represent your team & earn cash back * * Cash Back Credit Cards * * Airline Travel Credit Card * * Low Interest Credit Cards * * Balance Transfer Credit Cards * * Credit Cards for College Students * * Credit Cards for No Credit History * * Credit Cards to Build Credit * * No Annual Fee Credit Cards * * Interest Calculator * * Respond to Mail Offer * * Check Application Status * * Card Smarts Articles * - Getting a credit card * - Using your credit card * - Credit card rewards * * Free Credit Score for Cardmembers 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 33618 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 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 New Intro APR 0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until April 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® STUDENT CASH BACK CREDIT CARD ★★★★★ ★★★★★ 4.8 / 5 Average of 1831 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 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 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 2690 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 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 Build your credit with responsible use.3 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 1102 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 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 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 1039 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 Read More > 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. 0% Intro APR† for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until April 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 2456 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 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 New Intro APR 0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until April 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 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 New Intro APR 0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until April 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 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% intoductory APR, enhanced security programs, or other benefits. Learn More 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 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. Check Now CREDIT CARD FAQS Find information on Discover cards, how to apply for a credit card online, and more. 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 will not 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. 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. Checking if you’re pre-approved won’t harm your credit, but applying for credit cards may impact your credit score. Check to see if you‘re pre-approved. 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. While checking if you’re pre-approved won’t hurt your credit, each full application for a credit card may impact your credit score. 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.5 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and 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 history 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 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. 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 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. 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. 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 will 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 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. See 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 April 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 April 10, 2024 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of December 29, 2023. 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 April 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 April 10, 2024 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of December 29, 2023. 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 April 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 April 10, 2024 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of December 29, 2023. 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 April 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 April 10, 2024 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of December 29, 2023. 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 2023. All Rights Reserved. 1. Cashback Match: 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®: 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. Expand gjvp-1. gjvr-2. gjx4-3. rjqx-4. rjrm-5. kxpa-6. gjvv-7. dcit-1. dtic-2. dcmi-3. dsit-4. dtis-5. dcsc-6. THE OFFER YOU ARE LOOKING FOR ISN'T AVAILABLE, BUT SEE BELOW TO FIND THE BEST DISCOVER CARD FOR YOU RIGHT NOW. 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