Credit Cards

Apply for the best 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 for a credit card offer – there’s no impact to your credit to check.

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

Earn 5% cash back

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

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

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

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 5% cash back

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

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

x% Intro APR for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Build your credit with responsible use.3

xStandard

Variable Purchase APR.

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

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

x% Intro APR for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

★★★★★
★★★★★
x / 5 Average of x 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.

Unlimited Discover Match®

Only Discover will 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.

x% Intro APR for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until

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

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

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

★★★★★
★★★★★
Cards for all 32 teams

Earn 5% cash back

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

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

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

Credit Card FAQs

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

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.

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.

People wondering how to get a credit card should check their credit score with a free tool like the Discover Credit Scorecard. Then you may want to do a credit card comparison and choose the one that’s best for you. 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.

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.

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

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.

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.

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.4 No matter what, cardmembers earn Discover Card rewards on every purchase.

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.

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.

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.

Are you ready to add a Discover credit card to your credit journey?

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 x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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 x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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 x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Standard purchase APR: x% - x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by  and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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


x% standard variable purchase APR . Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Cash APR: x% 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: x% Intro fee on balances transferred by  and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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 2021. All Rights Reserved.

  1. Cashback Match: Only from Discover, as of April 2022. 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 April 2022. 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. 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. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit.

  4. Minimum Security Deposit: A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Your maximum credit limit (up to $2500) will be determined 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.

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