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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
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
Discover it<sup>®</sup> Cash Back
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically2

See issuers' websites for their new cardmember bonuses

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com7 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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Redeem your rewards for cash in any amount.

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Redeem your rewards for cash at any time.3 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Your cash back never expires

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Use your rewards instantly at Amazon.com checkout7 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SECURITY

SECURITY
Discover it<sup>®</sup> Cash Back
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.1 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

VALUE

VALUE
Discover it<sup>®</sup> Cash Back
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards

Paying late won't raise your APR

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No late fee on your first late payment

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No overlimit fee

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No foreign transaction fee

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SERVICE

SERVICE
Discover it<sup>®</sup> Cash Back
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

100% U.S. - based customer service available any time

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Pay your bill up to midnight (ET) the day it's due by phone or online

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
 

 

‡Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver: 1.5% on all purchases. Chase Freedom Unlimited: Earn 3% cash back on all purchases in your first year up to $20,000 spent, after that earn 1.5% cash back 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 maximum; 2% at gas stations & select department stores; 1% on all  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 May 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?

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  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  and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

  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.

  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.

  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 conditionsOpens PDF.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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® Chrome Card
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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Discover it® Chrome Card
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
Discover it<sup>®</sup> Chrome Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash 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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Redeem your rewards for cash in any amount.

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Redeem your rewards for cash at any time.  3 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Your cash back never expires

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Use your rewards instantly at Amazon.com checkout7 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SECURITY

SECURITY
Discover it<sup>®</sup> Chrome Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
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 Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

VALUE

VALUE
Discover it<sup>®</sup> Chrome Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards

Paying late won't raise your APR

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No late fee on your first late payment

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No overlimit fee

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No foreign transaction fee

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SERVICE

SERVICE
Discover it<sup>®</sup> Chrome Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

100% U.S. - based customer service available any time

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Pay your bill up to midnight (ET) the day it's due by phone or online

YesCash Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
 

 

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 them. Capital One Quicksilver: 1.5% on all purchases. Chase Freedom Unlimited: Earn 3% cash back on all purchases in your first year up to $20,000 spent, after that earn 1.5% cash back 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% on grocery stores and 1% on all other purchases; Citi ThankYou Preferred Rewards: 2x on dining out and entertainment; 1x on all other purchases. 

 

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

 

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

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  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 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

††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. Cashback Bonus  Program Terms and Conditions for further detail.

  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.

  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.

  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 conditionsOpens PDF.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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.

NHL® Discover it® Card
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 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
NHL® Discover it® Card
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
NHL<sup>®</sup> Discover it<sup>®</sup> Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash 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

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com7 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

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Redeem your rewards for cash in any amount.

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Redeem your rewards for cash at any time.  3 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Your cash back never expires

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Use your rewards instantly at Amazon.com checkout 7 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SECURITY

SECURITY
NHL<sup>®</sup> Discover it<sup>®</sup> Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 +* YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

VALUE

VALUE
NHL<sup>®</sup> Discover it<sup>®</sup> Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards

Paying late won't raise your APR

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No late fee on your first late payment

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No overlimit fee

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

No foreign transaction fee

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

SERVICE

SERVICE
NHL<sup>®</sup> Discover it<sup>®</sup> Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

100% U.S. - based customer service available any time

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards

Pay your bill up to midnight (ET) the day it's due by phone or online

YesNHL® Credit Card Blue Cash Everyday Card from American Express Chase Freedom Unlimited Capital One Quicksilver Cash Rewards Citi Double Cash Card Bank Americard Cash Rewards
 

 

‡Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver and Chase Freedom Unlimited: 1.5% on all purchases. Bank Americard Cash Rewards: 3% 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 May 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?

*   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  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 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

  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.

  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.

  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 conditionsOpens PDF.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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® Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards
No Annual Fee YesMiles Credit Card Chase Sapphire Preferred $95 Capital One VentureOne Capital One Venture $95 Citi ThankYou Premier $95 Bank Americard Travel Rewards
Discover it® Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards

REWARDS

REWARDS
Discover it<sup>®</sup> Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards

Earn unlimited rewards on every dollar you spend on purchases

See rewards for compared cards

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

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

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

No blackout dates. Fly any airline, any time

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
Redeem your Miles in any amount to credit travel purchases from your statement 3 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
You won't lose your Miles, even if your account closes 3 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

Your Miles never expire

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

SECURITY

SECURITY
Discover it<sup>®</sup> Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 +* YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

VALUE

VALUE
Discover it<sup>®</sup> Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards

Paying late won't raise your APR

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

No late fee on your first late payment

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

No overlimit fee

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

No pay-by phone fee

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

No foreign transaction fee

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

SERVICE

SERVICE
Discover it<sup>®</sup> Miles
Chase Sapphire Preferred
Capital One VentureOne
Capital One Venture
Citi ThankYou Premier
Bank Americard Travel Rewards
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

100% U.S. - based customer service available any time

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards

Pay your bill up to midnight (ET) the day it's due by phone or online

YesMiles Credit Card Chase Sapphire Preferred Capital One VentureOne Capital One Venture Citi ThankYou Premier Bank Americard Travel Rewards
 

 

Chart comparisons conducted by an independent research firm and based on competitor info compiled in May 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?

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  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 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

  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.

  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.

  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 Terms and Conditions for details.

  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.

  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.

  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® Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
No Annual Fee YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Discover it® Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card

REWARDS

REWARDS
Discover it<sup>®</sup> Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years. 8 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

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

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Earn 2% cash back in popular categories.††

Plus earn 1% cash back on all other purchases.

See rewards for compared cards.

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Redeem your rewards for cash in any amount.

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Redeem your rewards for cash at any time.  3 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Your cash back never expires

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Use your rewards instantly at Amazon.com checkout 7 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

SECURITY

SECURITY
Discover it<sup>®</sup> Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 +* YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website. 4 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

VALUE

VALUE
Discover it<sup>®</sup> Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card

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.).

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No late fee on your first late payment

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No overlimit fee

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No foreign transaction fee

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

SERVICE

SERVICE
Discover it<sup>®</sup> Student Chrome Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

100% U.S. based customer service available any time

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Pay your bill up to midnight (ET) the day it's due by phone or online

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
 

 

‡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 May 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?

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  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  and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

††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.

  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.

  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.

  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.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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.

  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. Effective 5/1/2019, grades can only be submitted during the months of May-August to get a $20 statement credit reward. 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® for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
No Annual Fee YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Discover it® for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card

REWARDS

REWARDS
Discover it<sup>®</sup> for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years. 8 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

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

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com7 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

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Redeem your rewards for cash in any amount.

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Redeem your rewards for cash at any time.  3 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Your cash back never expires

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Use your rewards instantly at Amazon.com checkout 7 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

SECURITY

SECURITY
Discover it<sup>®</sup> for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 +* YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

VALUE

VALUE
Discover it<sup>®</sup> for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card

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.).

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No late fee on your first late payment

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No overlimit fee

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

No foreign transaction fee

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

SERVICE

SERVICE
Discover it<sup>®</sup> for Students Card
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+ Student Card
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

100% U.S. - based customer service available any time

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card

Pay your bill up to midnight (ET) the day it's due by phone or online

YesStudent Credit Card Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+ Student Card
 

 

‡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 May 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?

 

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  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 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

 

  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.

  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.

  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 conditionsOpens PDF.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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.

  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. Effective 5/1/2019, grades can only be submitted during the months of May-August to get a $20 statement credit reward. 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 Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
No Annual Fee YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card $25 Citi Secured MasterCard
Discover it® Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

ESSENTIALS

ESSENTIALS
Discover it<sup>®</sup> Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
Refundable security deposit 8 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit 8.

See other issuers’ websites for their review periods.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Reports to all three major credit bureaus YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

REWARDS

REWARDS
Discover it<sup>®</sup> Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

Earn 2% cash back in popular categories.††

Plus earn 1% cash back on all other purchases.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

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

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Redeem your rewards for cash in any amount.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Redeem your rewards for cash at any time.  3 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Your cash back never expires

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Use your rewards instantly at Amazon.com checkout 7 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

SECURITY

SECURITY
Discover it<sup>®</sup> Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 +* YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

VALUE

VALUE
Discover it<sup>®</sup> Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

Paying late won't raise your APR

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No late fee on your first late payment

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No overlimit fee

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No foreign transaction fee

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

SERVICE

SERVICE
Discover it<sup>®</sup> Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

100% U.S. - based customer service available any time

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Pay your bill up to midnight (ET) the day it's due by phone or online

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
 

‡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 May 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?

 

Annual Fee: None. 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  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 and up to 5% fee for future balance transfers will apply. Rates as of . 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.

††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.

 

  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.

  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.

  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 conditionsOpens PDF.

  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.

  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.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. 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.

  8. Discover refunds deposits two ways: 1) automatic monthly reviews starting 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' websites for their details.

Discover it® Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business 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 Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Discover it® Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business 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
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business Card
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard

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 Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Unlimited cash back on every dollar you spend on purchases

See rewards for compared and similar cards

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Redeem your rewards for cash in any amount.

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Redeem your rewards for cash any time.  3 YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Your cash back never expires

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

SECURITY

SECURITY
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business Card
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard
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 Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
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 Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

VALUE

VALUE
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business Card
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Paying late won't raise your APR

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business 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 late fee on your first late payment

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business 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 overlimit fee

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business 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 foreign transaction fee

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

SERVICE

SERVICE
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
American Express SimplyCash Plus Business Card
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Easily download transactions to QuickBooks, Quicken or Excel YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

100% U.S. - based customer service available any time

YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Get your free Credit Scorecard with your FICO ® Credit Score, number of recent inquiries and more 5 YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Pay your bill up to midnight (ET)  the day it's due by phone or online YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business 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 pay-by-phone fee YesBusiness Credit Card Capital One Spark Cash Select for Business American Express SimplyCash Plus Business Card Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
 

 

‡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 May 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® Business credit card?

Discover it Business Card

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 . 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.

  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.

  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.

  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.

  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.

  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.

  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.