Discover Credit Cards

Discover cards have maintained a history over the years of being a consistently reliable and versatile option for consumers and businesses for those interested in cultivating and maintaining a strong credit score. In recent years they have continued to raise the bar in offering their users a variety of competitive rewards programs and annual percentage rates. First time Discover card members can typically expect to take advantage of a number of perks that can range from 0% APR introductory rates, to annual cash back bonuses that can often double a user's total cash back rewards points after their first year. Unique conveniences and features afforded to Discover card members can range from exceptional fraud protection services, to upper echelon premium packages that do away with common factors like annual usage fees and foreign transaction fees entirely.

While the most exceptional credit card offers presented by Discover can require very good to exceptional credit scores, the variety of Discover credit card applications offered means that users with a wide range of credit scores and histories can still expect to find a number of credit card options that work well with their current budget and standing. Read ahead for our rundown of the best packages that Discover currently offers, and refer to our user reviews for each to narrow down the best overall card for you.
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Discover it® Card

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 N/A N/A 11.24% - 23.24% Variable Cash Back 10

Discover it® Chrome for Students

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Student $0 10.99% for 6 months* N/A 13.24% - 22.24% Variable Cash Back Be the first to write one

Platinum Edition® Visa® Card

  • No Annual Fee.*
  • 0% INTRODUCTORY APR* for the first 15 billing cycles on balance transfers. After that, a variable APR based on the Prime Rate between 10.74% and 18.74% APR depending on your creditworthiness
  • $25 statement credit when you make a purchase within the first 3 billing cycles.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* N/A N/A 10.74%* - 18.74% (Variable)* None 1

Discover it® for Students

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Student $0 10.99% for 6 months* N/A 13.24%-22.24% Variable Cash Back 1

Secured Visa® Card

A Secured Credit Card is a great way to establish or rebuild credit history as we report this card\'s activity to all 3 major credit bureaus, unlike debit or prepaid cards.
  • No annual fee.*
  • Variable 18.74% APR* on purchase and balance transfers, based on the Prime Rate.
  • REQUEST YOUR OWN CREDIT LIMIT by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply (subject to credit approval).
  • Establish or improve your credit. You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history with us (subject to credit approval).
  • Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Secured $0* N/A N/A 18.74% (Variable)* None 1