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Compare credit cards and see how Discover stacks up.

Compare credit cards and see how Discover stacks up.

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

Rewards

Rewards
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 1 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Earn 5% cash back in rotating categories
each quarter like gas stations, Amazon.com,
restaurants, wholesale clubs and more, up to
the quarterly maximum each time you activate.

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

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.7 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report7 + YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website4 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement to any U.S. street address at your request 5 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Value

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

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Accepted nationwide by at least 97% of the merchants that take credit cards* YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
 

‡Cash back rewards - Citi® Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

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

  1. *   Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Cashback MatchTM : Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  4.     See rewards terms and conditions.
  5. 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 7. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Discover-it-credit-card-comparison
Chase® Sapphire Preferred®
Capital One® VentureOne®
Capital One® Venture®
Citi ThankYou® Premier
BankAmericard Travel Rewards®
No Annual Fee Comparing miles travel rewards credit cardsMiles Credit CardYes Chase® Sapphire Preferred®$95 Capital One® VentureOne®Yes Capital One® Venture®$59 Citi ThankYou® Premier$95 BankAmericard Travel Rewards®Yes
Discover-it-credit-card-comparison
Chase® Sapphire Preferred®
Capital One® VentureOne®
Capital One® Venture®
Citi ThankYou® Premier
BankAmericard Travel Rewards®

Rewards

Rewards
Earn unlimited 1.5x Miles or more on every dollar you spend on purchases
See Rewards for Compared Card
Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One® Venture®Yes Citi ThankYou® PremierNo BankAmericard Travel Rewards®Yes
Get an automatic match of all the Miles you've earned at the end of your first year 1 Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One®
Quicksilver® Cash Rewards
No
Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
Redeem your Miles for any amount to credit travel purchases from your statement, or get cash at any time. You won't lose your Miles even if your account closes 2 Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One® Venture®No Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
No blackout dates. Fly any airline, any time Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes
Your Miles never expire Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.7 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report7 + YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Free overnight shipping for card replacement to any U.S. street address at your request 4 Discover it Miles Credit CardMiles Credit CardYes Blue Cash Everyday®Card from American
Express®
Yes
Capital One® VentureOne®No Capital One® Venture®No Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 3 Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®No
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One®Quicksilver®Cash RewardsYes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes

Value

Value
Paying late won't raise your APR Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
No late fee for your first late payment Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One® Venture®No Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
No overlimit fee Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes
No pay-by phone fee Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes
No foreign transaction fee Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 5 Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One®
Quicksilver®Cash Rewards
No
Citi ThankYou® PremierNo BankAmericard Travel Rewards®No
Accepted nationwide by at least 97% of the merchants that take credit cards 6 Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®Yes Capital One® VentureOne®Yes Capital One® Venture®Yes Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes
100% U.S. based customer service available anytime Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One®
Quicksilver®Cash Rewards
No
Citi ThankYou® PremierNo BankAmericard Travel Rewards®Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online Discover it Miles Credit CardMiles Credit CardYes Chase® Sapphire Preferred®No Capital One® VentureOne®No Capital One®
Quicksilver®
Cash Rewards
No
Citi ThankYou® PremierYes BankAmericard Travel Rewards®Yes
 

‡Travel Rewards - Discover: 1.5 Miles per $1 spent on all purchases. Chase Sapphire Preferred®: 2 points for every $1 spent in travel category or the dining at restaurants category; 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 and entertainment; 1 point per $1 spent on all purchases. BankAmericard Travel Rewards®: 1.5 points per $1 spent on all purchases. Chart comparison conducted by an independent research firm and based on competitor info compiled in July 2017.

†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.

*According to the Feb 2017 issue of the Nilson Report.

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

  1. *   Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017 ; then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017 . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Discover Match®: Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all the Miles you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the Miles reward program at the time we calculate your potential award, your Miles will not be matched. You've earned Miles rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. 2. Redeem Miles: Starting at 1 Mile, you can redeem for cash as a electronic deposit to your bank account or for a credit for Travel Purchases on your statement made within in last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites and commuter transportation. Redemption may not be available for approximately 24-48 hours if your card is reported lost or stolen. See Miles Terms and Conditions for details.
  4.      Miles Never Expire: We will credit your account with your rewards balance if your account is closed or has not been used in 18 months.
  5.     See Miles rewards terms and conditions.
  6. 3. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 4. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. 5. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 6.Accepted at 97% of Merchants: According to the Feb 2017 issue of the Nilson Report
  10. 7. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Discover-it-credit-card-comparison
Blue Cash
Everyday® Card from American Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver® 
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™
No Annual Fee Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Discover-it-credit-card-comparison
Blue Cash
Everyday® Card from American Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver® 
Cash Rewards
Citi® Double
Cash Card
Bank
Americard
Cash Rewards™

Rewards

Rewards
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 1 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Earn 5% cash back in rotating categories
each quarter like gas stations, Amazon.com,
restaurants, wholesale clubs and more, up to
the quarterly maximum each time you activate.

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

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.7 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report7 + YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website4 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement to any U.S. street address at your request 5 Comparing NHL credit cardNHL®  Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Value

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

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. based customer service available any time Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Accepted nationwide by at least 97% of the merchants that take credit cards* Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing NHL credit cardNHL® Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
 

‡Cash back rewards - Citi® Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

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

  1. *   Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Cashback MatchTM : Only from Discover, as of July 2017 . No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  4.     See rewards terms and conditions.
  5. 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 7. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
Bank Americard®
for Students
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
Bank Americard ®
for Students

Rewards

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

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.9 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report9 + Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.1 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredYes Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
Free overnight shipping for card replacement to any U.S. street address at your request 2 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo

Value

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

What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.).

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

Service

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

‡Cash back rewards - Capital One® JourneySM Student Rewards Card: 1% on all purchases. Citi ThankYou® Preferred Card for College Students: 2 points for each $1 spend on purchases on dining out and entertainment, 1 points for each $1 spent on purchases. Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

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

  1. *   Intro purchase APR is 0% for 6 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017 ; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017 . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. 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.
  3. 2. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  4. 3. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
  5. 4. Cashback MatchTM : Only from Discover, as of July 2017. 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.
  6. 5. Discover it® Student Chrome offers: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  7. 6. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  8. 7. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  9. 8. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  10. 9. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Compare Other Credit Cards to Discover it Chrome Card Chart
Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Thank You
Preferred
Bank
Americard
Cash Rewards™
No Annual Fee YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Compare Other Credit Cards to Discover it Chrome Card Chart
Discover-it-credit-card-comparison
Blue Cash Everyday® Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi® Thank You
Preferred
Bank
Americard
Cash Rewards™

Rewards

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

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.7 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report7 + YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™No
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Free overnight shipping for card replacement to any U.S. street address at your request 5 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®Yes Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No

Value

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

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™No
100% U.S. - based customer service available any time YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardNo Bank Americard Cash Rewards™Yes
Accepted nationwide by at least 97% of the merchants that take credit cards* YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
Yes
Capital One® Quicksilver® Cash RewardsYes Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
Pay your bill up to midnight (ET) the day it's due by phone or online YesCash Credit CardYes Blue Cash Everyday® Card from American Express®No Chase Freedom
Unlimited
No
Capital One® Quicksilver® Cash RewardsNo Citi® Double Cash CardYes Bank Americard Cash Rewards™Yes
 

‡Cash back rewards - Citi® Thankyou Preferred: 2 points on every $1 spent on dining out and entertainment, 1 point on every $1 spent on other purchases. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases. Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

Ready to apply for the Discover it® Chrome Card?

  1. Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017 ; then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Cashback MatchTM : Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  4.     See rewards terms and conditions.
  5. 3. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 7. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Compare Other Credit Cards to Discover it Student Card Chart
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
Bank Americard® for Students
No Annual Fee Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
Compare Other Credit Cards to Discover it Student Card Chart
Discover-it-credit-card-comparison
Capital One®
Journey℠ 
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
Bank Americard® for Students

Rewards

Rewards
$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years1 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically2 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate.
Plus earn 1% cash back on all other purchases.
See rewards for compared cards
Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Redeem your rewards for cash at any time.3 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsNo
Use your rewards instantly at Amazon.com checkout4 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsNo

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.8 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report8 + Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredNo Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.5 Comparing student credit cardsStudent Credit CardYes Chase® Sapphire PreferredYes Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsNo
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
Free overnight shipping for card replacement to any U.S. street address at your request6 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo

Value

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

What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.).

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

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online7 Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsNo
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsNo Bank Americard® for StudentsYes
Accepted nationwide by at least 97% of the merchants that take credit cards* Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
Yes
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
Pay your bill up to midnight (ET) the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One® JourneySM
Student Rewards Credit Card
No
Citi Thank You® Preferred Card for College StudentsYes Bank Americard® for StudentsYes
 

‡Cash back rewards Capital One® JourneySM Student Rewards Card: 1% on all purchases. Citi ThankYou® Preferred Card for College Students: 2 points for each $1 spend on purchases on dining out and entertainment, 1 point for each $1 spent on other purchases. Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

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

  1. Intro purchase APR is 0% for 6 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017 . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
  3. 2. Cashback MatchTM : Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  4. 3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
  5. 4. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  6. 5. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. 7. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
  9. 8. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.
Discover-it-secured-card-comparison
Capital One®
Secured 
MasterCard
Bank Americard®
Secured Credit
Card
Wells Fargo
Secured Card
Citi®Secured
MasterCard®
No Annual Fee Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardNo Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Discover-it-secured-card-comparison
Capital One®
Secured 
MasterCard
Bank Americard®
Secured Credit
Card
Wells Fargo
Secured Card
Citi®Secured
MasterCard®

Essentials

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

Rewards

Rewards
Earn 2% cash back in popular categories.
Plus earn 1% cash back on all other purchases. ††
See rewards for compared cards
Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 5 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Redeem your rewards for cash in any amount. Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Redeem your rewards for cash at any time. 6 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Your cash back never expires Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Use your rewards instantly at Amazon.com checkout 7 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No

Security

Security
NEW! Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.8 Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
NEW! Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report8 + Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website2 Comparing secured credit cardsSecured Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
Yes
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Free overnight shipping for card replacement to any U.S. street address at your request 3 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardYes Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No

Value

Value
Paying late won't raise your APR
Close

What is APR?

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

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

Service

Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online 4 Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
100% U.S. based customer service available any time Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
Yes
Accepted nationwide by at least 97% of the merchants that take credit cards* Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardYes Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
Pay your bill up to midnight (ET)  the day it's due by phone or online Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardYes Wells Fargo Secured CardYes Citi®Secured
MasterCard®
Yes
 

Chart comparisons conducted by an independent research firm and based on competitor info compiled in July 2017.
†Compared card issuers may have other new cardmember bonuses and may provide FICO® Credit Scores only or may provide a different credit score.
+Compared card issuers may have other new account alerts.
*According to the Feb 2017 issue of the Nilson Report.

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

  1. *   23.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2017 ; then the standard purchase APR applies. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $2.00. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of August 31, 2017 . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  2. 1. Discover refunds deposits two ways: 1) automatic monthly reviews start at seven months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time.or 2) when you close your account and pay in full we will return the security deposit to you, which can take up to two billing cycles plus ten days.See other issuers' terms for their details.
  3. 2. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  4. 3. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  5. 4. FICO® Credit Score Terms: Discover cardmembers receive a FICO® Credit Score for free online and on monthly statements. The FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
  6. 5. Cashback MatchTM : Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  7. 6. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  8. 7. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  9. 8. Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on 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. See Frequently Asked Questions.