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Credit Cards by Discover

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How does your credit card stack up?

See how Discover compares to Chase Freedom Unlimited℠, Capital One® Quicksilver® and Citi® Double Cash and others. See for yourself.

Discover cards stack

Discover it® Cash Credit Card

Discover it Credit Card
NO ANNUAL FEE Yes Yes Yes Yes Yes Yes
Rewards
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.1 Yes No No No No No
Earn 5% cash back in rotating categories
each quarter like gas stations, Amazon.com,
restaurants, wholesale clubs and more, up to
the quarterly maximum each time you activate.

Plus earn 1% cash back on all other purchases
Yes No No No No No
Cash back on every purchase Yes Yes Yes Yes Yes Yes
Redeem your rewards for cash in any amount, any time. 2 Yes No No No No No
Your cash back never expires Yes Yes Yes Yes No Yes
Use your rewards instantly at Amazon.com checkout 3 Yes No Yes No No No
Security
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 Yes No No No Yes No
$0 Fraud Liability – you're never responsible for unauthorized purchases on your credit card Yes Yes Yes Yes Yes Yes
Free overnight shipping for card replacement to any U.S. street address at your request5 Yes Yes Yes No No Yes
Value
Paying late won't raise your APR Yes No Yes Yes No No
No late fee on your first late payment Yes No No No Yes No
No overlimit fee Yes Yes Yes Yes Yes Yes
No foreign transaction fee Yes No No Yes No No
Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 Yes No No No No No
100% U.S.-based customer service available anytime Yes No No No No No
Pay your bill up to midnight(ET) the day it's due by phone or online Yes No No No Yes Yes
Accepted nationwide by at least 97% of the merchants that take credit cards* Yes No Yes Yes Yes Yes

‡Cash back rewards - Citi® Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2017.
†Some card issuers may only provide FICO® Credit Scores online or may provide a different credit score.
*According to the Feb 2017 issue of the Nilson Report.

What do cardmembers think?

4.8 out of 5 rating Best Card Ever...!!!!

I really love my Discover It card. Customer Service is very helpful, and friendly. I highly recommend this card for everyone.

–Christopher0404, June2, 2016

3 out of 5 Its OK

Pros – Like the Cashback from stores

Cons – LowestPrice Match is kind of tricky (for this you have send lot of documentation), The money you get from rewards is shown as total basis and not shown as individual transactions level basis(which is a huge lag)

–ramK, June2, 2016

4.8 out of 5 rating Wowwie Wow!

My experience with Discover has been amazing. My favorite thing about it, besides the interest&nbps;free payments and the monthly % cash back, is how quick they are to tell you when you make a transaction. It's listed very quickly. I also like the free FICO® Score whenever I want.

–Mattyyy, June1, 2016

See All Reviews

Cash Back Credit Card

Intro purchase APR is 0% for 14 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.74% variable to 23.74% variable, based on your creditworthiness. Cash APR: 25.74% 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% of the amount of each transfer. Annual Fee: None. Rates as of April 28, 2017. 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 14 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.74% variable to 23.74% variable, based on your creditworthiness. Cash APR: 25.74% 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% of the amount of each transfer. Annual Fee: None. Rates as of April 28, 2017. 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 Card

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 August 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.74% variable to 22.74% variable, based on your creditworthiness. Cash APR: 25.74% 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% of the amount of each transfer. Annual Fee: None. Rates as of April 28, 2017. 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

23.74% 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 August 10, 2017; then the standard purchase APR applies. Cash APR: 25.74% 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 $2.00. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer, Annual Fee: None. Rates as of April 28, 2017. 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.

*Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/it-card/reviews

  1. Cashback Match™: Only from Discover, as of March 2017. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
  3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.