Earn 5% cash back
on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
Credit Cards
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1
Intro APR Offer
0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until July 10, 2025.
Then 18.24% to 27.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
Earn 5% cash back
on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1
0% Intro APR† for 6 months on purchases.
Then 17.24% to 26.24% Standard Variable Purchase APR will apply.
Earn 2% Cashback Bonus®
at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2
Plus, earn unlimited 1% cash back on all other purchases.
Earn 2% Cashback Bonus®
at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2
Plus, earn unlimited 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1
0% Intro APR† for 6 months on purchases.
Then 17.24% to 26.24% Standard Variable Purchase APR will apply.
Earn 1.5x Miles
on every dollar of every purchase8 — from hotels to groceries and online shopping.
Unlimited Discover Match®
We’ll automatically match all the Miles you’ve earned at the end of your first year.1 There is no limit to how much we’ll match.
Intro APR Offer
0% Intro APR† for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until July 10, 2025.
Then 18.24% to 27.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
Earn 2% Cashback Bonus®
at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2
Plus, earn unlimited 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1
Intro APR Offer
0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until July 10, 2025.
Then 18.24% to 27.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
Earn 5% cash back
on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1
Intro APR Offer
0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until July 10, 2025.
Then 18.24% to 27.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
What to do before you apply for a credit card
When you consider credit card offers, it's important to know whether you want a card with no annual fee, a balance transfer offer, cash rewards or travel rewards, a 0% introductory APR, enhanced security programs, or other benefits.
Once you know the card features that matter to you, you can review the benefits of each credit card online and pick one most likely to approve someone with your credit score.
You might already be preapproved for a credit card that has everything you want-Discover makes it possible to find out before you submit a credit card application, and checking won't hurt your credit.
Credit Card FAQs
Find information on Discover cards, how to apply for a credit card online, and more.
Your credit limit is the maximum amount of money you can use with your card to make purchases, balance transfers, etc. When you apply for a credit card, the bank or credit card company uses a variety of information to decide what credit limit they can offer. As you show responsible credit use, credit card issuers may increase your credit card limit.
Each Discover Card has its own credit score requirements. For example, the Discover it® Card is usually a good fit for people with established credit. But the Discover it® Secured Credit Card is designed for people looking to build a credit history or rebuild credit with responsible use.3 Other factors, like income, may also influence your eligibility. No matter what card you choose, cardmembers earn Discover Card rewards on every purchase.
Discover is accepted nationwide by 99% of places that take credit cards.6 You can earn rewards with Discover when you shop in-store or online, order take-out, fill up your gas tank, and much more.
Credit card companies consider a number of factors in their decision to approve your application, including your credit history and credit score, your income, and more. One of the simplest helpful credit habits is to make at least the minimum payment for all of your bills on time every month.
The Discover it® platform offers a suite of credit cards featuring common benefits that we provide every customer, including cash back rewards, security features, and more. However, rewards and some extra benefits may vary from product to product to be sure we can give different customers what they need.
Discover it® Cash Back: earn Cashback Bonus® rewards on purchases
Discover it® Miles: great for vacations or staycations
Discover it® Chrome Gas & Restaurants: earn cash back for eligible gas and restaurant purchases
Discover it® Secured Credit Card: build your credit history with responsible use3
Discover it® Student Cash Back: students earn rewards on purchases
Discover it® Chrome for Students: students earn rewards for eligible gas station and restaurant purchases
NHL® Discover it®: rep your favorite team while earning rewards
The best first credit card will typically be one that’s meant for someone new to credit to help them responsibly manage and use credit for the first time. If that sounds like you, a secured credit card may be a good option. For students new to credit, there are student credit cards designed more specifically for their needs and financial situation.
However, you may also have an established credit history through another form of credit, like repaying an auto loan, and credit card issuers may approve you for other types of credit cards with more perks and better rewards even if this is your first credit card. Depending on your credit history and what you’re looking for with your first credit card, you may find you have more options to choose from.
Tools to help you find the right credit card
Learn more about how credit cards work
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