Discover has No Annual Fee on any card

Get rewards on every purchase and protection for every day without any annual fee.

Discover It Cash Back Card
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Discover It Student Card
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Discover It Travel Card
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Discover It Secured Card
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Discover It Business Card

New!

Business
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All credit cards come with these premium benefits

We match all rewards you've earned at the end of your first year.1

Redeem your rewards in any amount, at any time.2

100% U.S. Based Customer Service, available anytime.

We monitor every purchase, every day and alert you if we detect suspicious activity.

See if you're pre-approved for a Discover it® card

Check Now if you're pre-approved for a Discover It Card

Get answers to your questions about no annual fee credit cards

Typically no, but it can vary by issuer. Credit lines are normally determined by a number of factors like credit score, income, payment history and more.

No. No annual fee means you don't have to pay to use the card outside of the normal interest charges found on all credit cards which you only pay if you carry a balance. Any additional services you may choose to use, like balance transfers, might require a fee.

It really is up to you. Think about how much you'll be spending with your card and if paying an annual fee is worth it.

Your credit score is taken into account when applying for any credit card. No annual fee cards are no different. So it's best to know your score before applying. Discover offers a Free Credit Scorecard to anyone–you don't have to be a customer and there's no ding to your credit.3

It does. There are no annual fee cards that accept lower credit limits but may not offer rewards.

Discover it no annual fee credit cards info

Cash Back Credit Card

Discover it® Cash Back
Gas & Restaurant Card
NHL® Discover it®

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 March 10, 2019; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of November 30, 2018. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Card

Discover it® Student Cash Back
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 March 10, 2019; then the standard purchase APR applies. Standard purchase APR: 14.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of November 30, 2018. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card

Discover it® Miles

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 March 10, 2019; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 24.99% variable, based on your creditworthiness. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of November 30, 2018. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card

Discover it® Secured

24.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by March 10, 2019; then the standard purchase APR applies. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer, Annual Fee: None. Rates as of November 30, 2018. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card

Intro purchase APR is 0% for 12 months from date of account opening; then the standard purchase APR applies. Standard purchase and balance transfer APR: 14.99% variable to 22.99% variable, based on your creditworthiness and other factors. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of November 30, 2018. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Back to footnote cashback-match. 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.

    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.
  2. Back to footnote rewards. 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 a PDF in new window .
  3. Back to footnote fico. 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.