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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  2
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 7 and more, 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.  3 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 7 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 Dark Web sites. 1 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 credit report.  1 + 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 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
Yes
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 6 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  5 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
 

‡Cash back rewards - Citi Double Cash Card: 1% on purchases; 1% as you pay. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all 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: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly maximum each time you activate; 1% on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.
+Discover's free alerts are based on information from your Experian® credit 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 14.24% variable to 25.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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® 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 Dark Web sites 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.
  3. 2. Cashback Match: 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.
  5.     See rewards terms and conditions.
  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. 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.
  8. 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.
  9. 7. 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.


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  2
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  3 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  3 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 Dark Web sites. 1 Discover it Miles Credit CardMiles 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 credit report  1 + Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes 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 6 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  4 Discover it Miles Credit CardMiles Credit CardYes Chase Sapphire PreferredYes 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
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 comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

‡Travel Rewards – Discover: 1.5 Miles per $1 spent on all purchases. Chase Sapphire Preferred: 2 points for every $1 spent in 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 and entertainment; 1 point per $1 spent on all purchases. BankAmericard Travel Rewards: 1.5 points per $1 spent on all other purchases.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.

+Discover's free alerts are based on information from your Experian® credit 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 14.24% variable to 25.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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® 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 Dark Web sites 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.
  3. 2. Discover Match®: 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.
  4. 3. 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.
    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. See Miles rewards terms and conditions.
  5. 4. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  6. 5. 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.
  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.


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  2
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 7 and more, 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. 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
Redeem your rewards for cash at any time.  3 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
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.7 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 Dark Web sites. 1 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
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 + 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 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
Yes
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  6 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  5 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
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 - Citi Double Cash Card: 1% on purchases; 1% as you pay. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all 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: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly maximum each time you activate; 1% on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.
+Discover's free alerts are based on information from your Experian® credit 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 14.24% variable to 25.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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® 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 Dark Web sites 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.
  3. 2. Cashback Match: 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.
  5.     See rewards terms and conditions.
  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. 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.
  8. 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.
  9. 7. 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.


Discover-it-credit-card-comparison
Capital One
Journey 
Student Rewards
Credit Card
Bank of America
Cash Rewards Credit Card for Students
Citi Rewards+
Student Card
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Discover-it-credit-card-comparison
Capital One
Journey 
Student Rewards
Credit Card
Bank of America
Cash Rewards Credit Card for Students
Citi Rewards+
Student Card

Rewards

Rewards
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years. 8 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
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
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Earn 2% cash back in popular categories.††
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
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Redeem your rewards for cash at any time. 3 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Use your rewards instantly at Amazon.com checkout 7 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardYes

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites. 1 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report1 + Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.4 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardYes
$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
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Free overnight shipping for card replacement to any U.S. street address at your request 6 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo

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
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
No late fee on your first late payment Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
No overlimit fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
No foreign transaction fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  5 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardNo
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
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
 

‡Cash back rewards – Capital One Journey Student Rewards Card: 1% on all purchases. Bank of America Cash Rewards Credit Card for Students: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Citi Rewards+ Card: 2% at Supermarkets & Gas Stations (for the first $6,000 per year and 1% thereafter) 1% on all other purchases. Round up to the nearest 10 points for every purchase and 10% points back on the first 100,000 points redeemed per year.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.
+Discover's free alerts are based on information from your Experian® credit report.

Ready to apply for the Discover it® Student Chrome 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 15.24% variable to 24.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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 third-party payment accounts, tap-and-pay, mobile or wireless card readers, 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. 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 Dark Web sites 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.
  4. 2. Cashback Match: 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.
  5. 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.
  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. 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.
  8. 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.
  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. 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.


Compare Other Credit Cards to Discover it Chrome Card Chart
Discover-it-credit-card-comparison
Blue Cash Everyday Card
from American
Express
Chase
Freedom
Unlimited
Capital One
Quicksilver
Cash Rewards
Citi 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
Compare Other Credit Cards to Discover it Chrome Card Chart
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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  2
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. 3 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. 7 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 Dark Web sites. 1 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 credit report  1 + 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 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
Yes
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 6 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  5 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
 

Discover it chrome: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter, 1% on all other purchases.
‡Cash back rewards - Citi Double Cash Card: 1% on purchases; 1% as you pay. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all 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% at 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 March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.
+Discover's free alerts are based on information from your Experian® credit 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 14.24% variable to 25.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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 third-party payment accounts, tap-and-pay, mobile or wireless card readers, 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. 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 Dark Web sites 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.
  4. 2. Cashback Match: 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.
  5. 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.
  6.     See rewards terms and conditions.
  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. 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. 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.
  10. 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.


Compare Other Credit Cards to Discover it Student Card Chart
Discover-it-credit-card-comparison
Capital One
Journey 
Student Rewards
Credit Card
Bank of America
Cash Rewards Credit Card for Students
Citi Rewards+
Student Card
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Compare Other Credit Cards to Discover it Student Card Chart
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Cash Rewards Credit Card for Students
Citi Rewards+
Student Card

Rewards

Rewards
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.8 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
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
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com 7 and more, 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
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Redeem your rewards for cash at any time.3 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Use your rewards instantly at Amazon.com checkout 7 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardYes

Security

Security
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites. 1 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report 1 + Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.4 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardYes
$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
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
Free overnight shipping for card replacement to any U.S. street address at your request 6 Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo

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
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
No late fee on your first late payment Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
No overlimit fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
No foreign transaction fee Comparing student credit cardsStudent Credit CardYes Capital One Journey
Student Rewards Credit Card
Yes
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo

Service

Service
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 Comparing student credit cardsStudent Credit CardYes Capital One JourneySM
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
No
Citi Rewards+Student CardNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One JourneySM
Student Rewards Credit Card
No
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardNo
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
Bank of America
Cash Rewards Credit Card for Students
Yes
Citi Rewards+Student CardYes
 

‡Cash back rewards – Capital One Journey Student Rewards Card: 1% on all purchases. Bank of America Cash Rewards Credit Card for Students: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Citi Rewards+ Card: 2% at Supermarkets & Gas Stations (for the first $6,000 per year and 1% thereafter) 1% on all other purchases. Round up to the nearest 10 points for every purchase and 10% points back on the first 100,000 points redeemed per year.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.
+Discover's free alerts are based on information from your Experian® credit 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 August 10, 2019 then the standard purchase APR applies. Standard purchase APR: 15.24% variable to 24.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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® 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 Dark Web sites 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.
  3. 2. Cashback Match: 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. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  6. 5. 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.
  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. 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.
  9. 8. 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.


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 CardCompetitor Card Offered 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 8 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 8 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  2
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. 3 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 Dark Web sites. 1 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 credit report1 + 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 website4 Comparing secured credit cardsSecured Credit CardYes Capital One Secured MasterCardYes Bank Americard Secured Credit CardNo Wells Fargo Secured CardYes 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 6 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 5 Comparing student credit cardsStudent Credit CardYes Capital One Secured MasterCardNo Bank Americard Secured Credit CardNo Wells Fargo Secured CardNo Citi Secured
MasterCard
No
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One Secured MasterCardNo Bank Americard Secured Credit CardYes Wells Fargo Secured CardNo Citi Secured
MasterCard
No
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One Secured MasterCardNo Bank Americard Secured Credit CardYes Wells Fargo Secured CardYes Citi Secured
MasterCard
Yes
 

‡Cash back rewards – Discover: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2019.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' website for further details.

+Discover's free alerts are based on information from your Experian® credit report.

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

  1. *   25.24% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2019 then the standard purchase APR applies. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by August 10, 2019 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of April 30, 2019. 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 third-party payment accounts, tap-and-pay, mobile or wireless card readers, 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. 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 Dark Web sites 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.
  4. 2. Cashback Match: 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.
  5. 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.
  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. 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.
  8. 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.
  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. 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.


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 2
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 CardNo 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 3 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 4 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 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 6 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, mortgage, car loan or other account shows up on your credit report + 1 YesBusiness Credit CardYes Capital One Everyday Spark Cash Select for BusinessYes American Express SimplyCash Plus Busines CardYes 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 Dark Web sites. 1 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
Easily download transactions to QuickBooks, Quicken or Excel 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 † 5 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
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 March 2019.

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

+Discover's free alerts are based on information from your Experian® credit 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: 15.24% variable to 23.24% variable, based on your creditworthiness. Cash APR: 27.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of April 30, 2019. 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) 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 Dark Web sites 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.
  4. 2) Cashback Match: 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
  5. 3) 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.
  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) 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.
  8. 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.