dcsimg

Discover Card

The card offers below are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers

While some credit card companies like American Express trace their origins back 150 years, Discover has been in business just since 1986. Despite its relative youth, Discover has earned a great reputation for offering rewards on all its credit cards. It was the first company to offer cash-back rewards to customers and one of the first to offer a credit card without an annual fee.

Compare your card and see how it stacks up
Search

  

Discover it<sup>®</sup>
About Our Ratings

Discover it®

  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Free FICO® Credit Score online and on monthly statements.*
See More
Purchase Intro APR: 0% Intro APR on purchases
Period: 6 months
Purchase APR 10.99% - 22.99% Variable*
Balance Transfer Intro APR 0% Intro APR on balance transfers
Balance Transfer Intro Period 18 months
Annual Fee $0
APPLY NOW Credit Needed Excellent
Discover it<sup>®</sup> card
About Our Ratings

Discover it® card

  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • Free FICO® Credit Score online and on monthly statements.*
See More
Purchase Intro APR: 0% Intro APR on purchases
Period: 14 months
Purchase APR 10.99% - 22.99% Variable*
Balance Transfer Intro APR 0% Intro APR on balance transfers
Balance Transfer Intro Period 14 months
Annual Fee $0
APPLY NOW Credit Needed Excellent
Discover it<sup>®</sup> chrome for Students
About Our Ratings

Discover it® chrome for Students

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months--then a variable purchase APR applies, currently 12.99% - 21.99%.
See More
Purchase Intro APR: 0% Intro APR on purchases
Period: 6 months
Purchase APR 12.99% - 21.99% Variable*
Balance Transfer Intro APR 10.99% Intro APR on balance transfers
Balance Transfer Intro Period 6 months
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Discover it<sup>®</sup> chrome for Students with $20 Cashback Bonus
About Our Ratings

Discover it® chrome for Students with $20 Cashback Bonus

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
See More
Purchase Intro APR: N/A
Purchase APR 12.99% - 21.99% Variable*
Balance Transfer Intro APR 10.99% Intro APR on balance transfers
Balance Transfer Intro Period 6 months
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Credit Card Database

More about Discover Card

  • Discover different from others
  • Types of Discover card offers
  • How do I choose?
  • Find best Discover card

When it was launched in 1986, Discover Card revolutionized the way credit cards did business. It was the first to offer customers a cash back reward on their purchases, and also pioneered cards with no annual fee and competitive fees for merchants accepting the card.

Today, Discover can be credited with creating an entire market of consumer-friendly rewards credit cards. That includes cards that offer unlimited cash back, as well as travel opportunities and other rewards. Is it any wonder then that a TNS 2008 Consumer Card Strategies Research survey found that more U.S. households choose a Discover Card for cash rewards than any other credit card?

Discover's new flagship card, the Discover it Card, aims to "change the way people think about credit cards." The perks begin with its lack of an annual fee -- a unique perk in a card that also offers generous rewards. But the benefits don't stop there: The card also boasts no overlimit, foreign transaction or pay-by-phone fees.

On the rewards side, the Discover it Card offers 5 percent cash back bonus in rotating categories up to $1,500 in purchases for users that complete the free and easy sign-up process. In addition, the card offers 1 percent cash back on all other purchases. A Discover Cashback Concierge is also available to guide you through the effective use of this card's rewards program.

Finally, depending on which offer you choose, you may find attractive 0 percent offers on purchases or balance transfers. See the terms below for offer specifics. All of this also comes with Discover's $0 Fraud Liability Guarantee and its U.S.-based customer service, which allows you to get account help from a real person around the clock.

Please review the tables below for even more details on the Discover it Card.

Before you zero in on zero APR credit cards or apply for the best travel rewards card, you may want to think carefully about how you use your credit cards now and how you intend to use them in the future. If you tend to pay off your credit card balance each month and have excellent credit, you may want to pay more attention to the rewards you can rack up rather than the interest rate.

If you're looking to save money on everyday expenses, a cash back card may be your best bet.

If you want to pay off some existing credit card debt, compare balance transfer offers to find one that offers the longest period of zero percent or low interest financing and has a low balance transfer fee.

For all credit card offers you should compare:

  • Introductory interest rate
  • Regular interest rate
  • Annual fee
  • Rewards program
  • Credit requirements

If you have decided you want to apply for a Discover credit card, look through the credit card offers on this page to see which one best meets your financial goals.

To start, spend some time reading reviews for Discover Card credit cards. Information such as APRs, introductory rates and the level of credit you need to be eligible for the card are factors to consider before you apply for a credit card. It doesn't take long to find the best credit card when you know where to look!

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.