Skip to content

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 it® Cash Credit Card

Discover it Credit Card
NO ANNUAL FEE * check-mark check-mark check-mark check-mark check-mark check-mark
Rewards
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers1 check-mark X X X X X
5% cash back in categories that change each quarter up to the quarterly maximum when you sign up check-mark X X X X X
1% cash back or more on all other purchases check-mark check-mark check-mark check-mark check-mark check-mark
Redeem your rewards for cash in any amount, any time 2 check-mark X X X X X
Your cash back never expires check-mark check-mark check-mark check-mark X check-mark
Use your cash back instantly at Amazon.com checkout 3 check-mark check-mark check-mark X X X
Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases 4 check-mark X X X X X
$0 Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your credit card check-mark check-mark check-mark check-mark check-mark check-mark
Free overnight shipping for card replacement to any U.S. street address at your request5 check-mark check-mark check-mark X X check-mark
Value
Paying late won't raise your APR check-mark X check-mark check-mark X X
No late fee for your first late payment check-mark X X X check-mark X
No overlimit fee check-mark check-mark check-mark check-mark check-mark check-mark
No foreign transaction fee check-mark X X check-mark X X
Service
Track recent FICO® Credit Scores for free on monthly statements and online 6 check-mark X X X X X
100% U.S.-based customer service available day or night check-mark X X X X X
Accepted where you shop at 9.6 Million merchants7 nationwide check-mark X check-mark check-mark check-mark check-mark
Pay your bill up to midnight(ET) the day it's due by phone or online check-mark X X X check-mark check-mark

Comparison conducted by an independent research firm and based on competitor data compiled on May 2016, from company websites, customer service agents, and consumer credit offers. †Citi® Double Cash Card offers 1% cash back on purchases and then 1% cash back as you pay for purchases. ‡Capital One Quicksilver® offers 1.5% cash back on every purchase. ‡Chase Freedom Unlimited offers 1.5% cash back on every purchase.

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 12 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 12 months from date of first transfer, for transfers under this offer that post to your account by November 10, 2016; then the standard purchase APR applies. Standard purchase APR: 11.24% variable to 23.24% variable, based on your creditworthiness. Cash APR: 25.24% 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 July 31, 2016. 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 12 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 12 months from date of first transfer, for transfers under this offer that post to your account by November 10, 2016; then the standard purchase APR applies. Standard purchase APR: 11.24% variable to 23.24% variable, based on your creditworthiness. Cash APR: 25.24% 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 July 31, 2016. 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 November 10, 2016; then the standard purchase APR applies. Standard purchase APR: 13.24% variable to 22.24% variable, based on your creditworthiness. Cash APR: 25.24% 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 July 31, 2016. 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

23.24% 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 November 10, 2016; then the standard purchase APR applies. Cash APR: 25.24% 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 July 31, 2016. 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® Secured Credit Card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

*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™ 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, 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 the Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores 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.
  7. Accepted at 9.6 Million Merchants: According to the Feb 2016 issue of the Nilson Report.