Woman shopping with bags and coffee to go

Is Discover a Good Credit Card for Your Needs?

Published February 12, 2024
5 min read

Table of contents

Key points about: Discover credit cards

  1. Figure out what type of credit card you want–travel, everyday purchases, cash back rewards–to help determine if a Discover® Card would be good for you.

  2. Secured and student credit cards can be good options for those with limited or no credit history.

  3. Your Discover rewards card will earn cash back or Miles on everyday purchases, big or small.

Searching for a new credit card can feel overwhelming. For some, it can seem like there are too many options to choose from. For those with poor credit or a lack of credit history, it can feel like there aren’t enough options available. Whether you’re looking for a new credit card or your first credit card, there’s a wide array of rewards card choices from Discover that may meet your needs.

Reasons a Discover Card may be good for you

What are you looking for in a credit card? A card you can use for everyday purchases that charges no annual fees? A travel credit card you can use overseas? Or, do you plan to make a large purchase that you can’t pay off in one month, and want a low introductory APR on purchases so you can save money on interest?

Discover credit cards offer all of these benefits and more:

Relief on fees: Some rewards credit cards may charge you an annual fee to use them and take advantage of their rewards, but Discover has no annual fee on every credit card. Discover Cards also have no late fee on your first late payment, and no interest increase for late payments.1

Discover Mobile App: No matter where you are, you can instantly access your credit card information with the Discover mobile app. It’s simple to make an on-the-go payment or manage your spending from your Apple or Android™ phone, tablet, or watch.

Online privacy protection: Discover will help you regularly remove your personal info from at least 10 people-search websites that could sell your data. It’s free, activate with the Discover app.2

Customer Service. If customer service is important to you, then you may have another reason to consider a Discover credit card. Discover offers 24/7, U.S.-based, live customer service.3

Did you know?

Are you curious about which Discover Card you may be approved for? Use the Discover Credit Card pre-approval form to see if you’re pre-approved with no harm to your credit score.4

See if you’re pre-approved

Discover Card options even if you have bad, good, or excellent credit

Having good to excellent credit can improve the chances of getting approved for the credit card of your choice. If you have good credit, research the types of benefits you’d like to get from your credit card, as that may be the deciding factor in the card that you choose.

However, if you want a new credit card but don’t have good or excellent credit, you still have options. Discover has credit cards available for those with poor credit or limited credit history that can help to build credit with responsible use.5 A secured credit card is typically one of the easiest credit cards to get and can give you the opportunity to build or rebuild your credit. A secured credit card operates just like a traditional credit card, except you have to put down a cash security deposit prior to opening an account.

With Discover, you can get the Discover it® Secured Card, which comes with no annual fee and no credit score required to apply.6 You can earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.7

With Discover, you can get your deposit back after 6 consecutive months of on-time payments and maintaining good status on all your credit accounts, and if you qualify, we will increase your credit line.8

If you’re a student looking to establish credit, a student credit card can be a good option. A student credit card functions like a regular, unsecured credit card but typically offers better terms for someone with limited or no credit. Student credit cards also usually have a lower limit than a regular credit card, which can be good for those who are just getting started and learning to practice responsible credit card use.

Discover offers a selection of student credit cards that have no annual fee and no credit score required to apply.9 And if you’re looking for a student cash back card, Discover offers the benefit of earning cash back rewards with Discover student credit cards.

Discover Card rewards that may be good for you

If you’re still questioning whether Discover is a good credit card for you, consider these additional benefits and rewards.

Cash back credit card. Discover credit cards can be a good option for those looking to earn cash back rewards. Discover it® Cash Back lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. And, get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.10

Travel. For those who love to travel, with Discover it® Miles, automatically earn unlimited 1.5x Miles on every dollar of every purchase. And we’ll automatically match all the Miles you’ve earned at the end of your first year.10 Your Miles never expire11 and you won’t lose your Miles, even if your account closes.

Gas and restaurants. If you spend a lot filling up your vehicle or eating out at restaurants, the Discover it® Chrome Card may be good for you. Earn 2% Cashback Bonus® at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.7

To find out which is the best Discover credit card for you, and to compare against other credit card issuers, check out the Discover credit card comparison tool.

Is a Discover credit card a good fit for you?

Whether you have good credit, low credit, or no credit, Discover may have a credit card to fit your needs. Plus, Discover credit cards come with no annual fee on any card, cash back rewards, and Discover is accepted nationwide by 99% of the places that take credit cards.12


Was this article helpful?

Glad you found this useful. Could you let us know what you found helpful?
How can we improve this article?
Sorry this article didn’t help you. Can you give us feedback why?
How can we improve this article?

Was this article helpful?

Thank you for your feedback

Learn more