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Compare credit cards and see how Discover stacks up.

Compare credit 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 ExpressYes Chase Freedom
Unlimited
Yes
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
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  1
See issuers' websites for their new cardmember bonuses
YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.

Plus earn 1% cash back on all other purchases.
See rewards for compared and similar cards
YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash in any amount. YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash at any time.  2 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Your cash back never expires YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsYes
Use your rewards instantly at Amazon.com checkout  3 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites. 7 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report 7 + YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardYes Bank Americard Cash RewardsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
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 5 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo

Value

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

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  6 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsYes
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 ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardYes Bank Americard Cash RewardsYes
Accepted nationwide by at least 97% of the merchants that take credit cards * YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardYes Bank Americard Cash RewardsYes
 

‡Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express Blue Cash Everyday Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.
‡Cash back rewards for similar cards of compared issuers: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.
+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. *   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 January 10, 2019; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. 1. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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. 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.
  4.     See rewards terms and conditions.
  5. 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 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.
  7. 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.
  8. 6. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 7. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


Discover-it-credit-card-comparison
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
BankAmericard Travel Rewards
No Annual Fee Comparing miles travel rewards credit cardsMiles Credit CardYes Chase Sapphire Preferred$95 Capital One VentureOneYes Capital One Venture$95 Citi ThankYou Premier$95 BankAmericard Travel RewardsYes
Discover-it-credit-card-comparison
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
BankAmericard Travel Rewards

Rewards

Rewards
Earn unlimited rewards on every dollar you spend on purchases
See rewards for compared cards
Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes
Get an unlimited match of all the Miles you've earned at the end of your first year, automatically  1
See issuers' websites for their new cardmember bonuses
Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneNo Capital One
Quicksilver Cash Rewards
No
Citi ThankYou PremierNo BankAmericard Travel RewardsNo
No blackout dates. Fly any airline, any time Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes
Redeem your Miles in any amount to credit travel purchases from your statement  2 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsNo
You won't lose your Miles, even if your account closes  2 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneNo Capital One VentureNo Citi ThankYou PremierNo BankAmericard Travel RewardsNo
Your Miles never expire Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites. 7 YesCash Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneYes Capital OneQuicksilverCash RewardsYes Citi ThankYou PremierNo BankAmericard Travel RewardsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report 7 + YesCash Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneYes Capital OneQuicksilverCash RewardsYes Citi ThankYou PremierNo BankAmericard Travel RewardsNo
Free overnight shipping for card replacement to any U.S. street address at your request 4 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneNo Capital OneQuicksilverCash RewardsNo Citi ThankYou PremierNo BankAmericard Travel RewardsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 3 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital OneQuicksilverCash RewardsYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes

Value

Value
Paying late won't raise your APR Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierNo BankAmericard Travel RewardsNo
No late fee for your first late payment Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneNo Capital One VentureNo Citi ThankYou PremierNo BankAmericard Travel RewardsNo
No overlimit fee Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes
No pay-by phone fee Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes
No foreign transaction fee Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  5 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneNo Capital One
QuicksilverCash Rewards
No
Citi ThankYou PremierNo BankAmericard Travel RewardsNo
Accepted nationwide by at least 97% of the merchants that take credit cards  6 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneYes Capital One VentureYes Citi ThankYou PremierYes BankAmericard Travel RewardsYes
100% U.S. based customer service available anytime Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredNo Capital One VentureOneNo Capital One
QuicksilverCash Rewards
No
Citi ThankYou PremierNo BankAmericard Travel RewardsYes
Pay your bill up to midnight (ET)  the day it's due by phone or online Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes Capital One VentureOneNo Capital One Quicksilver
Cash Rewards
No
Citi ThankYou PremierYes BankAmericard Travel RewardsYes
 

Chart comparison conducted by an independent research firm and based on competitor info compiled in August 2018.

‡Travel Rewards - Discover: 1.5 Miles per $1 spent on all purchases. Chase Sapphire Preferred: 2 points for every $1 spent in travel category or the dining out on travel and restaurants; 1 point per $1 spent on all purchases. Capital One VentureOne: 1.25 miles per $1 spent on all purchases. Capital One Venture: 2 miles per $1 spent on all purchases. Citi ThankYou Premier: 3 points per $1 spent on Travel and Gas; 2 points per $1 spent on dining out; 1 point per $1 spent on all purchases. BankAmericard Travel Rewards: 1.5 points per $1 spent on all purchases.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.

+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. 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 January 10, 2019;then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. 1. Discover Match®: Only from Discover, as of August 2018. No purchase minimums. 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.
  3. 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.
  4.      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.
  5.     See Miles rewards terms and conditions.
  6. 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.
  7. 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.
  8. 5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 6.Accepted at 97% of Merchants: According to the Feb 2018 issue of the Nilson Report
  10. 7. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


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 ExpressYes Chase Freedom
Unlimited
Yes
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
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  1
See issuers' websites for their new cardmember bonuses
Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.

Plus earn 1% cash back on all other purchases.
See rewards for compared and similar cards
Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash in any amount. YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash at any time.  2 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Your cash back never expires Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsYes
Use your rewards instantly at Amazon.com checkout  3 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citinbsp;Double Cash CardNo Bank Americard Cash RewardsNo

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.7 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report 7 + YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardYes Bank Americard Cash RewardsNo
$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 ExpressYes Chase Freedom
Unlimited
Yes
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  5 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo

Value

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

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  6 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
100% U.S. based customer service available any time Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsYes
Accepted nationwide by at least 97% of the merchants that take credit cards * Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
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 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardYes Bank Americard Cash RewardsYes
 

‡Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express Blue Cash Everyday Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.
‡Cash back rewards for similar cards of compared issuers: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.
+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. *   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 January 10, 2019; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. 1. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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. 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.
  4.     See rewards terms and conditions.
  5. 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 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.
  7. 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.
  8. 6. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 7. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


Discover-it-credit-card-comparison
Capital One
Journey 
Student Rewards
Credit Card
Citi Thank You
Preferred Card for College Students
Bank Americard
for Students
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
Discover-it-credit-card-comparison
Capital One
Journey 
Student Rewards
Credit Card
Citi Thank You
Preferred Card for College Students
Bank Americard
for Students

Rewards

Rewards
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years. 3 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  4
See issuers' websites for their new cardmember bonuses
Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Earn 2% cash back in popular categories. 5
Plus earn 1% cash back on all other purchases.
see rewards for compared cards
Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Redeem your rewards for cash at any time. 6 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo
Use your rewards instantly at Amazon.com checkout 7 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.9 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report9 + Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.1 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for 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 Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for 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 or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.).

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

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  8 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsYes
Accepted nationwide by at least 97% of the merchants that take credit cards * Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
 

‡Cash back rewards - Discover 2% at gas stations and restaurants up to $1000 in combined purchases each quarter. Capital One Journey Student Rewards Card: 1% on all purchases. Citi ThankYou Preferred Card for College Students: 2 points for each $1 spend on purchases on dining out and entertainment, 1 points for each $1 spent on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.
+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. *   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 January 10, 2019 ; then the standard purchase APR applies. Standard purchase APR: 14.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. ††You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further detail.
  3. 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.
  4. 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.
  5. 3. Good Grade 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 statement credit ("Good Grade Reward"). This will be applied to your account within seven (7) business days. 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.
  6. 4. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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. 5. Discover it® Student Chrome offers: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  8. 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.
  9. 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.
  10. 8. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  11. 9. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


Compare Other Credit Cards to Discover it Chrome Card Chart
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No Annual Fee YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
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Capital One Quicksilver Cash RewardsYes Citi Double Cash CardYes Bank Americard Cash RewardsYes
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Rewards

Rewards
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  1
See issuers' websites for their new cardmember bonuses
YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Earn 2% cash back in popular categories.
Plus earn 1% cash back on all other purchases.
See rewards for compared and similar cards
YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardYes Bank Americard Cash RewardsYes
Redeem your rewards for cash in any amount. YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Redeem your rewards for cash at any time. 2 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
Your cash back never expires YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsYes
Use your rewards instantly at Amazon.com checkout 3 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites. 7 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report 7 + YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardNo Bank Americard Cash RewardsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsYes Citi Double Cash CardYes Bank Americard Cash RewardsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
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 5 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressYes Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo

Value

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

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  6 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsNo
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
No
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardNo Bank Americard Cash RewardsYes
Accepted nationwide by at least 97% of the merchants that take credit cards* YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
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 YesCash Credit CardYes Blue Cash Everyday Card from American ExpressNo Chase Freedom
Unlimited
Yes
Capital One Quicksilver Cash RewardsNo Citi Double Cash CardYes Bank Americard Cash RewardsYes
 

Discover it chrome: 2% on gas and restaurants, 1% on other purchases.
‡Cash back rewards – Citi Double Cash Card: 1% on purchases; 1% as you pay them . Capital One Quicksilver and Chase Freedom Unlimited : 1.5% on all purchases. Bank Americard Cash Rewards: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases.American Express Blue Cash Everyday Card: 3% at supermarkets up to a yearly max; 2% at gas stations & select department stores; 1% on other purchases.
‡Cash back rewards for similar cards of compared issuers: Capital One Savor Rewards Credit Card: 4% cash back on dining and entertainment. 2% on grocery stores and 1% on all other purchases; Citi ThankYou Preferred Rewards: 2x on dining out and entertainment; 1x on all other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.
†Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

Ready to apply for the Discover it® Chrome Card?

  1. 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 January 10, 2019 ; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. ††You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further detail.
  3. 1. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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.
  4. 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.
  5.     See rewards terms and conditions.
  6. 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.
  7. 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.
  8. 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.
  9. 6. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  10. 7. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


Compare Other Credit Cards to Discover it Student Card Chart
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Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.1 Comparing student credit cardsStudent Credit CardYes Capital One Journey
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No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2
See issuers' websites for their new cardmember bonuses
Comparing student credit cardsStudent Credit CardYes Capital One Journey
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Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Plus earn 1% cash back on all other purchases.
See rewards for compared cards
Comparing student credit cardsStudent Credit CardYes Capital One Journey
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Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One Journey
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Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Redeem your rewards for cash at any time.3 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo
Use your rewards instantly at Amazon.com checkout4 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.8 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report 8 + Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsNo Bank Americard for StudentsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.5 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
Free overnight shipping for card replacement to any U.S. street address at your request6 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for 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 or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.).

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

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 7 Comparing student credit cardsStudent Credit CardYes Capital One JourneySM
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsNo Bank Americard for 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 Bank Americard for StudentsYes
Accepted nationwide by at least 97% of the merchants that take credit cards* Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
Pay your bill up to midnight (ET) the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Citi Thank You Preferred Card for College StudentsYes Bank Americard for StudentsYes
 

‡Cash back rewards Capital One Journey Student Rewards Card: 1% on all purchases. Citi ThankYou Preferred Card for College Students: 2 points for each $1 spend on purchases on dining out and entertainment, 1 point for each $1 spent on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.
+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. 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 January 10, 2019; then the standard purchase APR applies. Standard purchase APR: 14.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. 1. Good Grade 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 statement credit ("Good Grade Reward"). This will be applied to your account within seven (7) business days. 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.
  3. 2. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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.
  4. 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.
  5. 4. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 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.
  7. 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.
  8. 7. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 8. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


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 Card$39 Wells Fargo Secured Card$25 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

Rewards

Rewards
Earn 2% cash back in popular categories. ††
Plus earn 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 an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  5
See issuers' websites for their new cardmember bonuses
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. 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 at any time. 6 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 7 Comparing student credit cardsStudent Credit CardYes Capital One Secured MasterCardNo Bank Americard Secured Credit CardNo Wells Fargo Secured CardNo Citi Secured
MasterCard
No

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.8 Comparing secured credit cardsSecured Credit CardYes Capital One Secured MasterCardYes Bank Americard Secured Credit CardNo Wells Fargo Secured CardNo Citi Secured
MasterCard
No
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report8 + Comparing secured credit cardsSecured Credit CardYes Capital One Secured MasterCardYes Bank Americard Secured Credit CardNo Wells Fargo Secured CardNo Citi Secured
MasterCard
No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website2 Comparing secured credit cardsSecured Credit CardYes Capital One Secured MasterCardYes Bank Americard Secured Credit CardNo Wells Fargo Secured CardNo CitiSecured
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 CardNo 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 CardYes 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 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
Accepted nationwide by at least 97% of the merchants that take credit cards* Comparing student credit cardsStudent Credit CardYes Capital One Secured MasterCardYes Bank Americard Secured Credit CardYes Wells Fargo Secured CardYes Citi Secured
MasterCard
Yes
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
 

 ††Cash back rewards – Discover: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.

+Compared card issuers may have other new account alerts.

*According to the Feb 2018 issue of the Nilson Report.

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

  1. *   24.99% 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 January 10, 2019 ; then the standard purchase APR applies. Cash APR: 26.99% 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 September 28, 2018. 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.
  2. 1. Discover refunds deposits two ways: 1) automatic monthly reviews start at eight 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, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, 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.
  6. 5. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. 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. 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.
  8. 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.
  9. 8. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.


Discover-it-credit-card-comparison
Capital One
Spark Cash
Select for
Business
American
Express
SimplyCash
Plus Busines
Card
Chase lnk
Business
Unlimited
Card
Bank of
America Cash
Rewards for
Business
Mastercard
U.S. Bank
Business Edge
Cash Rewards
World Elite
Mastercard
NO ANNUAL FEE YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
Discover-it-credit-card-comparison
Capital One
Spark Cash
Select for
Business
American
Express
SimplyCash
Plus Busines
Card
Chase lnk
Business
Unlimited
Card
Bank of
America Cash
Rewards for
Business
Mastercard
U.S. Bank
Business Edge
Cash Rewards
World Elite
Mastercard

Rewards

Rewards
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 1
See issuers' websites for their new cardmember bonuses
YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Unlimited cash back on every dollar you spend on purchases
See rewards for compared and similar cards
YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
Redeem your rewards for cash in any amount YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Redeem your rewards for cash any time 2 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Your cash back never expires YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes

Security

Security
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 3 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
Free overnight shipping for card replacement to any U.S. street address at your request 4 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Activate FREE alerts to know when any new credit card, mortage, car loan or other account shows up on your Experian® credit report + 5 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Activate FREE alerts that notify you if your Social Security Number is found on any of thousands of risky websites 5 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo

Value

Value
Paying late won't raise your APR YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
No late fee on your first late payment YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
No overlimit fee YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
No foreign transaction fee YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo

Service

Service
Access your business purchase history through Quicken, QuickBooks or Excel with a simple and secure download YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
100% U.S. - based customer service available any time YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
Get your free Credit Scorecard with your FICO ® Credit Score, number of recent inquiries and more † 6 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardNo Bank of America Cash Rewards for Business MastercardNo U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
Accepted nationwide by at least 97% of the merchants that take credit cards  * YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
Pay your bill up to midnight (ET)  the day it's due by phone or online YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessNo American Express SimplyCash Plus Busines CardNo Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardNo
No pay-by-phone fee YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes Chase lnk Business Unlimited CardYes Bank of America Cash Rewards for Business MastercardYes U.S. Bank Business Edge Cash Rewards World Elite MastercardYes
 

‡Cash back rewards - Capital One Spark Select: unlimited 1.5% on every purchase, Amex Simply Cash Plus: 5% on U.S. office supply stores and wireless telephone services from U.S. providers, 3% on an additional category of your choice from 8 categories, 1% on all other purchases, Chase Ink Business Unlimited Card: Unlimited 1.5% cash back on every purchase, Bank of America Cash Rewards for Business Mastercard: 3% on gas stations and office supplies, 2% on restaurants, 1% on every purchases, US Bank Business Edge Cash Rewards: 3% on cellular, gas and office supply store eligible net purchases, 1% on all other eligible purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may have other new cardmember bonuses and may only provide FICO® Credit Score online or may provide a different credit score.

+Compared card issuers may have other new account alerts

*According to the Feb 2018 issue of the Nilson Report.

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

  1. Discover it Business Card
  2. *   Intro purchase APR is 0% for 12 months from date of account opening; then the standard purchase APR applies. Standard purchase APR: 14.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 26.99% 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: 5% of the amount of each transfer. Annual Fee: None. Rates as of September 28, 2018. 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.
  3. 1) Cashback Match: Only from Discover, as of August 2018. No purchase minimums. 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
  4. 2) Your rewards never expire: 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.
  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) Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
  8. 6) FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

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