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Compare credit cards and see how Discover stacks up.

Compare to other cash rewards cards and see how Discover stacks up.

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Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™
No Annual Fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™

Rewards

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 cardmembers 1 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
1% cash back or more on all other credit card purchases YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Redeem your rewards for cash in any amount,anytime 2 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Your cash back never expires YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Use your rewards instantly at Amazon.com checkout 3 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement at home or away to any U.S.  street address at your request 5 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes

Value

Value
Paying late won't raise your APR YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No
No late fee on your first late payment YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No
No overlimit fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom UnlimitedYes Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
No foreign transaction fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Service

Service
Get your FICO® Credit Score for free on monthly statements,on mobile and online 6 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes

Comparison conducted by an independent research firm and based on competitor data compiled on November 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.

Ready to apply for the Discover it® Cash credit card?

+ Footnotes
  1. 1.Cashback MatchTMOnly from Discover, as of November 2016. 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. 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.
  3.     See rewards terms and conditions.
  4. 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.
  5. 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.
  6. 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.
  7. 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 of 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.
  8. *   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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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-credit-card-comparison
Blue Cash
Everyday®Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi®Double
Cash Card
Bank
Americard
Cash Rewards
No Annual Fee Comparing miles travel rewards credit cardsMiles Credit CardYes Blue Cash Everyday®Card from American Express®Yes Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardYes Bank Americard Cash RewardsYes
Discover-it-credit-card-comparison
Blue Cash Everyday®Card from American Express®
Chase Freedom Unlimited
Capital One® Quicksilver®
Cash Rewards
Citi®Double
Cash Card
Bank
Americard
Cash Rewards

Rewards

Rewards
Earn unlimited 1.5x rewards on every dollar you spend on purchases Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardNo Bank Americard Cash RewardsNo
Get an automatic match of all the rewards you've earned at the end of your first year—only for new cardmembers 1 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One®
Quicksilver® Cash Rewards
No
Citi®Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash in any amount,
any time 2
Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver®Cash RewardsNo Citi®Double Cash CardNo Bank Americard Cash RewardsNo
Your rewards never expire Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®Yes Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardNo Bank Americard Cash RewardsYes

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases3 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver®Cash RewardsNo Citi®Double Cash CardYes Bank Americard Cash RewardsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®Yes Chase Freedom UnlimitedYes Capital One®Quicksilver®Cash RewardsYes Citi®Double Cash CardYes Bank Americard Cash RewardsYes
Free overnight shipping for card replacement to any U.S. street address at your request 4 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American
Express®
Yes
Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsNo Citi®Double Cash CardNo Bank Americard Cash RewardsYes

Value

Value
Paying late won't raise your APR Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardNo Bank Americard Cash RewardsNo
No late fee on your first late payment Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver®Cash RewardsNo Citi®Double
Cash Card
Yes
Bank Americard Cash RewardsNo
No overlimit fee Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®Yes Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardYes Bank Americard Cash RewardsYes
No foreign transaction fee Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardNo Bank Americard Cash RewardsNo

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 5 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One®
Quicksilver®Cash Rewards
No
Citi®Double Cash CardNo Bank Americard Cash RewardsNo
100% U.S. based customer service available anytime Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One®
Quicksilver®Cash Rewards
No
Citi®Double Cash CardNo Bank Americard Cash RewardsYes
Accepted nationwide by at least 98% of the merchants that take credit cards 6 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedYes Capital One® Quicksilver®Cash RewardsYes Citi®Double Cash CardYes Bank Americard Cash RewardsYes
Pay your bill up to midnight (ET)  the day it's due by phone or online Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American Express®No Chase Freedom UnlimitedNo Capital One®
Quicksilver®
Cash Rewards
No
Citi®Double Cash CardYes Bank Americard Cash RewardsYes

Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers. ‡Citi®Double Cash Card offers 1% on purchases and then 1% cash back as you pay for purchases.

Ready to apply for the Discover it® Miles credit card?

+ Footnotes
  1. 1.Discover Match®: After the first 12 consecutive billing periods that your new account is open, we will match all the Miles 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 Miles reward program at the time we calculate your potential award, your Miles will not be matched. You've earned Miles 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. 2. Redeem Miles: Starting at 1 Mile, you can redeem for cash as a electronic deposit to your bank account or for a credit for Travel Purchases on your statement made within in last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites and commuter transportation. Redemption may not be available for approximately 24-48 hours if your card is reported lost or stolen. See Miles Terms and Conditions for details.
  3.      Miles Never Expire: We will credit your account with your rewards balance if your account is closed or has not been used in 18 months.
  4.     See Miles rewards terms and conditions.
  5. 3. 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.
  6. 4. 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.
  7. 5. 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 of 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.
  8. 6.Accepted at 98% of Merchants: According to the Feb 2016 issue of the Nilson Report
  9. *   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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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-credit-card-comparison
Blue Cash
Everyday® Card from American Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver® 
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™
No Annual Fee Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Discover-it-credit-card-comparison
Blue Cash
Everyday® Card from American Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver® 
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™

Rewards

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 cardmembers 1 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Redeem your rewards for cash in any amount,anytime 2 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Your cash back never expires Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Use your rewards instantly at Amazon.com checkout 3 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you’re never responsible for unauthorized purchases on your credit card Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement to any U.S. street address at your request 5 Comparing NHL credit cardNHL®  Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes

Value

Value
Paying late won't raise your APR Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No
No late fee on your first late payment Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No
No overlimit fee Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
No foreign transaction fee Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Service

Service
Get your FICO® Credit Score for free on monthly statements,mobile and online 6 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. based customer service available any time Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes

Comparison conducted by an independent research firm and based on competitor data compiled on November 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.

Ready to apply for the NHL® Discover it® credit card?

+ Footnotes
  1. 1.Cashback MatchTMOnly from Discover, as of November 2016. 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. 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.
  3.     See rewards terms and conditions.
  4. 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.
  5. 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.
  6. 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.
  7. 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 of 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.
  8. *   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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students

Rewards

Rewards
$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years 3 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
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 cardmembers 4 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
2% cash back in popular categories 5 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes
1% cash back on all other purchases Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Redeem your rewards for cash in any amount,anytime 6 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Use your rewards instantly at Amazon.com checkout 7 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases1 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsYes
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Free overnight shipping for card replacement to any U.S. street address at your request 2 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo

Value

Value
Paying late won't raise your APR What is APR?
Close

What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance.

Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
No late fee on your first late payment Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
No overlimit fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
No foreign transaction fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsNo

Service

Service
Get your FICO® Credit Score for free on monthly statements, mobile and online 8 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes

Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers.

Ready to apply for the Discover it® Student credit card?

+ Footnotes
  1. 1. 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.
  2. 2. 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.
  3. 3. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
  4. 4.Cashback MatchTMOnly from Discover, as of November 2016. 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.
  5. 5. Discover it® Student Chrome offers: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  6. 6. 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.
  7. 7. 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.
  8. 8. 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 of 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.
  9. *   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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.49% variable to 22.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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.
Compare Other Credit Cards to Discover it Chrome Card Chart
Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Thank You
Preferred
Bank
Americard
Cash Rewards™
No Annual Fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Compare Other Credit Cards to Discover it Chrome Card Chart
Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Thank You
Preferred
Bank
Americard
Cash Rewards™

Rewards

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 cardmembers 1 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
2% or more cash back in popular categories YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
1% cash back or more on all other credit card purchases YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Redeem your rewards for cash in any amount,anytime 2 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Your cash back never expires YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Use your rewards instantly at Amazon.com checkout 3 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you’re never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement at home or away to any U.S. street address at your request 5 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes

Value

Value
Paying late won't raise your APR YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No
No late fee on your first late payment YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
No overlimit fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
No foreign transaction fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Service

Service
Get your FICO® Credit Score for free on monthly statements, mobile and online 6 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET) the day it's due by phone or online YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes

Comparison conducted by an independent research firm and based on competitor data compiled in November 2016 from company websites, customer service agents, and consumer credit offers. Discover it ® chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. ‡Capital One Quicksilver offer 1.5% cash back on every purchase. ‡Chase Freedom Unlimited offers 1.5% cash back on every purchase.

Ready to apply for the Discover it® Chrome Card?

+ Footnotes
  1. 1.Cashback MatchTM Only from Discover, as of November 2016. 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. 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.
  3.     See rewards terms and conditions.
  4. 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.
  5. 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.
  6. 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.
  7. 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 of 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.
  8. 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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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.
Compare Other Credit Cards to Discover it Student Card Chart
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Compare Other Credit Cards to Discover it Student Card Chart
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students

Rewards

Rewards
$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years1 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
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 cardmembers2 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
1% cash back on all other purchases Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Redeem your rewards for cash in any amount, any time3 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Use your rewards instantly at Amazon.com checkout4 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases5 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsYes
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
Free overnight shipping for card replacement to any U.S. street address at your request6 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo

Value

Value
Paying late won't raise your APR What is APR?
Close

What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance.

Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
No late fee on your first late payment Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
No overlimit fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes
No foreign transaction fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsNo

Service

Service
Get your FICO® Credit Score for free on monthly statements, mobile and online7 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo
Pay your bill up to midnight (ET) the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes

Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers.

Ready to apply for the Discover it® for Students Card?

+ Footnotes
  1. 1. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
  2. 2.Cashback MatchTMOnly from Discover, as of November 2016. 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.
  3. 3. 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.
  4. 4. 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.
  5. 5. 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.
  6. 6. 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.
  7. 7. 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 of 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.
  8. 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 April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.49% variable to 22.49% variable, based on your creditworthiness. Cash APR: 25.49% 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 December 30, 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-card-comparison
Capital One®
Secured 
MasterCard
Bank Americard®
Secured Credit
Card
Wells Fargo
Secured Card
Citi®Secured
MasterCard®
No Annual Fee Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardNo Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Discover-it-secured-card-comparison
Capital One®
Secured 
MasterCard
Bank Americard®
Secured Credit
Card
Wells Fargo
Secured Card
Citi®Secured
MasterCard®

Essentials

Essentials
Refundable security deposit 1 Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Automatic periodic reviews to see if we can transition you to an account with no security deposit 1 YesCash Credit Card Yes CapitalOne Secured
MasterCard
No
Bank
Americard
Secured Rewards
Yes
Wells Fargo
Secured Card®
Yes
Citi®Secured
MasterCard®
Yes
Reports to all three major credit bureaus Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes

Security

Security
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases2 Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
Yes
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Free overnight shipping for card replacement to any U.S. street address at your request 3 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardYes Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No

Value

Value
Paying late won't raise your APR
Close

What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance.

Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardNo Wells Fargo Secured CardYes Citi®Secured
MasterCard®
No
No late fee on your first late payment Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
No overlimit fee Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
No foreign transaction fee Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No

Service

Service
Get your FICO® Credit Score for free on monthly statements,mobile and online 4 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardYes Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes

Rewards

Rewards
2% cash back in popular categories †† Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
1% cash back on all other purchases Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
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 cardmembers 6 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Redeem your rewards for cash in any amount,anytime 7 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Use your rewards instantly at Amazon.com checkout 8 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No

Comparison conducted by an independent research firm and based on data compiled on November 2016 from company websites, customer service agents, and consumer credit offers.

Ready to apply for the Discover it® Secured credit card?

+ Footnotes
  1. ††Discover it® Secured Credit Card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  2. 1.Discover refunds deposits two ways: 1) automatic monthly reviews start at seven months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time.or 2) when you close your account and pay in full we will return the security deposit to you, which can take up to two billing cycles plus ten days.See other issuers' terms for their details.
  3. 2. 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.
  4. 3. 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.
  5. 4. 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 of 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.
  6. 6.Cashback MatchTMOnly from Discover, as of November 2016. 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.
  7. 7. 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.
  8. 8. 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.
  9. *   23.49% 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 April 10, 2017; then the standard purchase APR applies. Cash APR: 25.49% 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 December 30, 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.