Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Credit Cards
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Build your credit with responsible use.3
Your credit line will equal your deposit amount, starting at $200.4
x% Standard Variable Purchase APR† applies.
Build your credit with responsible use.3
Your credit line will equal your deposit amount, starting at $200.4
x% Standard Variable Purchase APR† applies.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Intro APR Offer
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x.
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
What to do before you apply for a credit card
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% introductory APR, enhanced security programs, or other benefits.
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.
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.
Credit Card FAQs
Find information on Discover cards, how to apply for a credit card online, and more.
Your credit limit is the maximum amount of money you can use with your card to make 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.
Each Discover Card has its own credit score requirements. For example, the Discover it® Card is usually a good fit for people with established credit. But the Discover it® Secured Credit Card is designed for people looking to build a credit history or rebuild credit with responsible use.3 Other factors, like income, may also influence your eligibility. No matter what card you choose, cardmembers earn Discover Card rewards on every purchase.
Discover is accepted nationwide by 99% of places that take credit cards.7 You can earn rewards with Discover when you shop in-store or online, order take-out, fill up your gas tank, and much more.
Credit card companies consider a number of factors in their decision to approve your application, including your credit history and credit score, your 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.
The Discover it® platform offers a suite of credit cards featuring common benefits that we provide every customer, including cash back rewards, security features, and more. However, rewards and some extra benefits may vary from product to product to be sure we can give different customers what they need.
Discover it® Cash Back: earn Cashback Bonus® rewards on purchases
Discover it® Miles: great for vacations or staycations
Discover it® Chrome Gas & Restaurants: earn cash back for eligible gas and restaurant purchases
Discover it® Secured Credit Card: build your credit history with responsible use3
Discover it® Student Cash Back: students earn rewards on purchases
Discover it® Chrome for Students: students earn rewards for eligible gas station and restaurant purchases
NHL® Discover it®: rep your favorite team while earning rewards
The best first credit card will typically be one that’s meant for someone new to credit to help them responsibly manage and use credit for the first time. If that sounds like you, a secured credit card may be a good option. For students new to credit, there are student credit cards designed more specifically for their needs and financial situation.
However, you may also have an established credit history through another form of credit, like repaying an auto loan, and credit card issuers may approve you for other types of credit cards with more perks and better rewards even if this is your first credit card. Depending on your credit history and what you’re looking for with your first credit card, you may find you have more options to choose from.
If you’re thinking about getting a new credit card, you may want to start by checking your credit score. Different credit cards require different credit ratings 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. Typically, the higher your score, the more credit card options you’ll have.
A credit card comparison can help you choose the one that’s best for you. It's also a good idea to take advantage of online tools to see what offers you might qualify for. Check if you're pre-approved with no harm to your credit score6 using Discover's pre-approval tool. When you find the card that’s right for you, remember a full credit card application may impact your credit score.
You can have two Discover credit cards at one time. With Discover, you can earn rewards on each eligible purchase, from cash back rewards for groceries to Miles for travel purchases.
You may receive credit card offers in the mail, by email, or online. To find the best fit, compare rewards, sign-up bonus or new member offers, benefits–such as security features to prevent fraud, APR (including introductory rates), fees, and credit limits. Look for rewards programs that line up with your spending habits. If you know you’ll use credit for groceries, gas, dining, or travel, you may be able to find a card that helps you earn more rewards in those categories. And look for welcome offers for new cardmembers that don't require a minimum spending amount.
You can apply for most Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Keep in mind that you must be at least 18 to apply. If you’re under age 21 or applying for a secured credit card, you’ll have to apply online. All Discover credit cards, including student cards, earn rewards on every eligible purchase—you can choose a credit card that earns cash back or miles.
A credit card works by providing you with a revolving line of credit that you can access as needed. Every month, you’ll receive a statement telling you how much credit you've used and the minimum payment due if you choose not to repay the full balance. If you pay the statement balance in full by the due date each month, you won't be charged interest on purchases. Otherwise, your unpaid credit card balance accrues interest based on your APR. You can often earn a percentage of your eligible credit card purchases back as rewards, like miles or cash back.
When you apply for a credit card, the credit card issuer will pull your credit report–which may result in a hard inquiry–and use it, along with other information you provide, such as your income, to decide whether to approve your application and what your credit limit may be.
There’s no easy credit card to get. Credit card approval isn’t guaranteed and depends on many factors, like your credit history and income. If you have an established credit history and good credit score, you may find you can get approved for many cards. However, if you’re just starting your credit journey or want to rebuild your credit history, a Discover it® Secured Card may be best for you.3 Similarly, students with limited or no credit history may find that a Discover student card fits their financial needs. And remember, every Discover credit card earns rewards on purchases.
Discover offers many benefits across our line of products. All Discover Cards offer rewards, either cash back or Miles, on each eligible purchase. Plus, only Discover automatically gives unlimited Cashback Match to all new cardmembers: we'll automatically match all the cash back you've earned at the end of your first year.1 Also, Discover has no annual fee on any of our cards. We’re also serious about protecting your personal information, with benefits that include free Social Security number alerts, $0 Fraud Liability Guarantee, and more.
Tools to help you find the right credit card
Learn more about how credit cards work
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