Best Discover Credit Cards

Discover has one of the deepest benches of high-quality credit cards that you’ll find amongst the most popular issuers. From lucrative sign-up bonuses and rewards to cutting annual fees, Discover credit cards are packed with perks. Here are our picks for the best Discover credit cards

Best for: Bonus cash back and no annual fee Discover it® Cash Back

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Our Bottom Line

A clear cash-back leader with a laundry list of perks, including double cash back in the first year and other essential wallet-friendly features like no annual fee.

Discover it® Cash Back Review
Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
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Best for: Balance transfers and bonus cash back Discover it® Balance Transfer

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Our Bottom Line

Few cards can top this offer. The balance transfer offer and cash rewards program, alone, are best in class, but you get both in one card without having to pay an annual fee.

Discover it® Balance Transfer Review
Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Terms and Conditions
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Best for: Gas & restaurants cash back and no annual fee Discover it® chrome

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Our Bottom Line

The typical slate of Discover perks are included (FICO® Score for free, no foreign transaction fees, and more) with this card that's a good fit for cardholders with big gas & restaurant budgets.

Discover it® chrome Review
Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
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Best for: Travel card with no annual fee Discover it® Miles

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Our Bottom Line

A fit for occasional travelers, this card's most valuable perks are unlimited 1.5 Miles per $1, no foreign transaction fees, and double Miles in the first year.

Discover it® Miles Review
Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Terms and Conditions
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Best for: Secured credit card and bad credit Discover it® Secured

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Our Bottom Line

If you don't have a credit history or are rebuilding credit, this card should be on your shortlist.

Discover it® Secured Review
Credit Rating Requirement: Bad/Rebuilding/No History
Highlights
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Terms and Conditions
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Best for: Bonus cash back for students Discover it® Student Cash Back

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Our Bottom Line

We've simply not found a better student credit card. Our fee-wary stance is even more solid for student credit cards, and this offer still includes premium rewards with no annual fee.

Discover it® Student Cash Back Review
Credit Rating Requirement: fair
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
Terms and Conditions
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Best for: Gas & restaurants cash back for students Discover it® Student chrome

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Our Bottom Line

Our enthusiasm for Discover's student cards carries over to this offer as well, which varies from its cash-back cousin in that it earns premium rewards for everyday spending to fuel both your car and stomach.

Discover it® Student chrome Review
Credit Rating Requirement: fair
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
Terms and Conditions
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Get our latest tips and uncover more of our top picks to help you conquer your money goals

Discover is a unique credit card issuer that often gets left out of credit card discussions, even though the issuers offers some of the best credit cards. However, they have a number of valuable credit cards on offer, whether you’re looking to save up travel miles, get some cash-back rewards, or pay off debt using a balance transfer. This guide explains everything you need to know about Discover and their best credit cards.

How we picked the winners

Discover offers a wide range of different credit cards, so it was important for us to closely analyze the features of each credit card to help you determine which card might serve you best. During this process, we specifically look for the following benefits:

  • Sign-up bonuses
  • High ongoing reward rates
  • 0% intro APR offers
  • Additional perks
  • FICO® Score for free

We also look for cards that minimize the following costs:

  • Foreign transaction fees
  • Annual fees
  • Ongoing APR
  • Balance transfer fees
  • Security deposits

Why you can trust us

We’ve pored over more than 300 credit card offers and 6,000 data points here at The Ascent in order to develop our credit card philosophy, which is designed to help you use credit card offers like these to your advantage. Our writers have published over 2,500 personal finance articles and have been featured on AOL, Yahoo!, and MSN.

What is Discover?

Discover is unique in that it is both a credit card issuer and a payment processing network, similar to American Express. While Visa, Mastercard, and American Express are the three biggest issuers in the United States, Discover falls in at number four. Ever since introducing their “cash-back bonuses” program in the late 1980s, Discover has been a pioneer in the world of cash-back rewards. They were also one of the first issuers to offer credit cards with no annual fee, and to this day, the best Discover credit cards come with a $0 annual fee.

Types of Discover credit cards

Discover offers something for everyone, whether you’re a frequent flyer with excellent credit or a student with no credit history at all. Here’s an overview of the different types of credit cards on this list.

Travel rewards credit cards

Discover’s travel rewards credit cards offer rewards in the form of “miles” that can be redeemed for travel purchases. These credit cards are great for people with good credit who travel often or want to travel more.

Cash-back credit cards

As one of the first issuers to offer cash-back rewards, Discover has some fantastic credit cards that will offer you cash back on every purchase you make. These cards are perfect for people with good credit who want easy-to-redeem cash rewards.

Secured credit cards

You can qualify for a Discover credit card even if you have bad credit. Discover’s secured credit cards are secured with an initial deposit rather than your credit score, and they’re specifically designed to help you build or rebuild your credit. These cards have no annual fee and a low security deposit required.

Student credit cards

It’s important to build credit early on, but it’s hard to qualify for credit cards when you don’t have a credit history. Luckily, Discover’s student credit cards are geared toward people with a skimp credit history. They’re a great way to build credit, and they even offer rewards and perks like cash for good grades.

Balance transfer credit cards

Discover’s balance transfer credit cards offer consumers the chance to transfer over an existing balance from another issuer and pay it off at a 0% introductory APR for a set period of time. As long as you pay off your balance before the promotional period ends, this is a great way to get out of debt without paying a penny in interest.

Can I have more than one Discover card?

While you can have more than one Discover card, Discover does limit cardholders to two cards at a time. Even then, your applications must be spaced out over a 12 month period of time. If you got your first Discover credit card in January of 2018, you have to wait until January of 2019 to apply for your second. Once you have your second Discover card, you’ve reached your limit. Additionally, you can only have one student credit card.

Do most places accept Discover?

One of the most commonly asked questions when it comes to Discover is whether or not you can use their credit cards internationally. It is true that Discover is not as widely accepted, especially abroad, as Visa and Mastercard. American Express is accepted by fewer merchants than Discover both in the United States and globally. That being said, American Express coverage is more widely spread out globally, and fewer countries accept Discover than American Express.

Luckily, Discover has been partnering with a range of global partner networks, such as UnionPay, JCB, and Diners Club, to ensure that your card works wherever you go. That doesn’t mean they beat out Visa or Mastercard, but they’re working on it. It is still difficult to use Discover cards in Mexico and most of Europe.

How Discover rewards match works

One of the main reasons credit card enthusiasts love Discover’s rewards program is their rewards match program. Every rewards credit card listed above, including their secured and student credit cards, comes with an introductory offer: Discover will match all of the rewards you earn during your first year as a cardholder. This includes cash-back and miles-earning cards. You don’t have to sign up for the program, and there is no limit to how much they will match.

This means that for your first year as a cardholder, a 5% rewards rate is essentially a 10% rewards rate. If you earn 1.5 Miles per $1 spent, you actually earn 3 Miles per $1 spent during your first year. With rewards rates that are already at standard levels, this program pushes Discover’s rewards credit cards above much of the competition, at least for the first year.

How the Discover it® Miles program works

Discover’s travel rewards program may be limited -- there’s only one credit card that earns Discover’s “Miles” -- but it is easy to both earn and redeem rewards, which is rare. These aren’t miles in the traditional sense because they aren’t associated with any specific airline and can be redeemed for travel purchases other than airfare. It makes more sense to think of them as travel points.

Pros:

  • Easy

  • Flexible

  • Flat-rate value

  • Cash back option

  • No expiration date

  • No minimum redemption requirement

Cons:

  • Not transferable

  • Lower value than some other travel rewards programs

What are Discover it® Miles worth?

Discover it® Miles have a flat rate value of $0.01 each. Unlike other reward programs that assign a set value to their points for travel redemptions but a diminished value for other redemptions, Discover it® Miles are always worth $0.01, no matter how you redeem them. While this means you’re not going to find those “hidden gem” redemptions that squeeze $0.05 out of each point, you’re also never going to get stuck with disappointing, low-value redemption options that only get you $0.005 out of each point.

How can I redeem Discover it® Miles?

There are two ways to redeem your Miles: as a credit toward travel purchases or as cash back. Regardless of the option you choose, your Miles are always worth $0.01 each, so there are no “good” or “bad” redemption options. There is also no minimum redemption requirement.

If you’d like to redeem your Miles for travel purchases, you simply select any travel purchase you’ve made on your statement within the past 180 days and choose the number of miles you want to receive. You’ll get a statement credit equal to the number of Miles you selected. Eligible travel purchases include flight tickets, hotel stays, taxis, car rentals, tourist attractions, and more.

Discover it® Miles Redemption Value per Mile Redemption Eligibility
Travel $0.01 Travel purchases in the past 180 days
Cash back $0.01 Any amount, any time

For folks who don’t travel and prefer cash back, you can also redeem your Miles for $0.01 each as a direct deposit into your bank account.

Comparing Discover’s flagship credit cards

In order to help you compare the offerings of each Discover credit card, we’ve created the table below, which details the rewards and other benefits. It’s worth noting that none of these credit cards offer a sign-up bonus, and none of them have an annual fee.

Discover it® Cash Back vs. Discover it® Balance Transfer

Discover it® Cash Back Discover it® Balance Transfer
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Discover it® Cash Back Review
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Discover it® Balance Transfer Review

Credit Rating Requirement: Good/Excellent

Credit Rating Requirement: Good/Excellent

Bonus: Double cash back in the first year Bonus: Double cash back in the first year
Rewards Program: 5% Cash Back At Different Places Each Quarter Like Gas Stations, Grocery Stores, Restaurants Or Amazon.com Up To The Quarterly Maximum Each Time You Activate, 1% Cash Back On All Other Purchases Rewards Program: 5% Cash Back At Different Places Each Quarter Like Gas Stations, Grocery Stores, Restaurants Or Amazon.com Up To The Quarterly Maximum Each Time You Activate, 1% Cash Back On All Other Purchases
Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months Intro APR: Purchases: 0%, 6 months Balance Transfers: 0%, 18 months
Regular APR: 13.74% - 24.74% Variable Regular APR: 13.74% - 24.74% Variable
Annual Fee: $0 Annual Fee: $0

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

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Discover it® Miles vs. Discover it® Chrome

Discover it® Miles Discover it® chrome
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Discover it® Miles Review
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Discover it® chrome Review

Credit Rating Requirement: Good/Excellent

Credit Rating Requirement: Good/Excellent

Bonus: Double Miles in the first year Bonus: Double cash back in the first year
Rewards Program: 1.5 Miles per $1 Rewards Program: 2% cash back at gas stations and restaurants ($1,000 spend cap each quarter), 1% cash back on all else
Intro APR: Purchases: 0%, 14 months Balance Transfers: 10.99%, 14 months Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Regular APR: 13.74% - 24.74% Variable Regular APR: 13.74% - 24.74% Variable
Annual Fee: $0 Annual Fee: $0

Highlights:

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

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Discover it® Student Cash Back vs. Discover it® Student chrome

Discover it® Student Cash Back Discover it® Student chrome
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Discover it® Student chrome Review

Credit Rating Requirement: fair

Credit Rating Requirement: fair

Bonus: Double cash back in the first year. Bonus: Double cash back in the first year
Rewards Program: 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate, 1% cash back on all other purchases Rewards Program: 2% Cash Back At Gas Stations And Restaurants ($1,000 Spend Cap Each Quarter), 1% Cash Back On All Else
Intro APR: Purchases: 0%, 6 months Balance Transfers: 10.99%, 6 months Intro APR: Purchases: 0%, 6 months Balance Transfers: 10.99%, 6 months
Regular APR: 14.74% - 23.74% Variable Regular APR: 14.74% - 23.74% Variable
Annual Fee: $0 Annual Fee: $0

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.

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Which Discover credit card is right for you?

If it’s high rewards and low fees you’re after, it’s crucial to select a credit card that fits with your spending profile and credit score. Luckily, Discover’s straight-forward card offerings make it pretty simple to choose.

If you have bad credit or no credit at all…

You have three options from this list:

  • Discover it® Secured

  • Discover it® Student Cash Back

  • Discover it® Student chrome

Unless you’re a student, you’ll want to go with the first option.  It’s a solid secured credit card with low fees that will help you build your credit back up.

If you are a student, you should look into the second or third option. The Discover it® Student chrome is good for people who spend close to or more than $1,000 each quarter on gas and dining. Otherwise, you should look into the Discover it® Student Cash Back, which will get you a higher rewards rate on rotating bonus categories. Recent categories have included gas stations and wholesale clubs, grocery stores, restaurants, and Amazon.com.

If you want to maximize your travel rewards…

The Discover it® Miles is the obvious choice here as the only travel rewards credit card on the list.

If you prefer cash back…

You have a couple different cards to choose from:

  • Discover it® chrome
  • Discover it® Cash Back

The Discover it® Cash Back is great if you know you’ll spend close to or more than $1,000 each quarter on gas and dining. Otherwise, look into the Discover it® chrome, which provides a higher rewards rate for rotating bonus categories, which can include restaurants, wholesale clubs, Amazon.com, and grocery stores.

If you’re paying off debt…

The Discover it® Balance Transfer is a solid option. Keep in mind that you will have to pay a fee on the balance transferred. However, the fee could be well worth it given that you’ll have 18 months to pay off the balance without interest.

To summarize, here are the best Discover credit cards

Card Rating Best For…
Discover it® Cash Back Graphic of Discover it® Cash Back
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Bonus cash back and no annual fee

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
5.0 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Balance transfers and bonus cash back

Discover it® chrome Graphic of Discover it® chrome
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Gas & restaurants cash back and no annual fee

Discover it® Miles Graphic of Discover it® Miles
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
3.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Travel card with no annual fee

Discover it® Secured Graphic of Discover it® Secured
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.0 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Secured credit card and bad credit

Discover it® Student Cash Back Graphic of Discover it® Student Cash Back
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Bonus cash back for students

Discover it® Student chrome Graphic of Discover it® Student chrome
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Best For:

Gas & restaurants cash back for students