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
New Intro APR
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .
Then x% to x% Standard Variable Purchase APR and up to x% 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
x% Intro APR† for x months on purchases.
Then x% - x% 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
x% Intro APR† for x months on purchases.
Then x% - x% Standard Variable Purchase APR will apply.
Earn unlimited 1.5x Miles
on every dollar of every purchase9 — 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's no signing up, no minimum spending or maximum rewards. Just a Mile-for-Mile match.
x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .
Then x% to x% Standard Variable Purchase APR and up to x% 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
New Intro APR
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .
Then x% to x% Standard Variable Purchase APR and up to x% 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
New Intro APR
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .
Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
How to apply for a credit card online
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 charge on your card for 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.8 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 several 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 we’re committed to providing to every customer, including cash back rewards, security features to help prevent credit card fraud, 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 at different places
Discover it® Miles: great for vacations or staycations
Discover it® Chrome Gas & Restaurants: eligible purchases earn more for gas and dining out
Discover it® Secured Credit Card: build your credit history3
Discover it® Student Cash Back: students earn rewards at different places
Discover it® Chrome for Students: students earn rewards at gas stations and restaurants
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.
If you’re thinking about getting a new credit card, you may want to start by checking your credit score. Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. Typically, the higher your score, the more credit card options you’ll have.
A credit card comparison can help you choose the one that’s best for you. It's also a good idea to take advantage of pre-approval tools to see what offers you might qualify for. With Discover, checking to see if you're pre-approved is fast, easy and won't impact your credit score,7 Remember, a full credit card application may impact your credit score.
You can have two open Discover credit cards at one time. With Discover, you can earn rewards on each eligible purchase, from cash back rewards for groceries to Miles for travel purchases.
You may receive credit card offers in the mail, by email, or online. To find the best fit, compare rewards, sign-up bonus or new member offers, benefits–such as security features to prevent fraud, APR (including introductory rates), fees, and credit limits. Look for rewards programs that line up with your spending habits. If you know you’ll use credit for groceries, gas, dining, or travel, you may be able to find a card that helps you earn more rewards in those categories. And look for welcome offers for new cardmembers that don't require a minimum spending amount.
You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Keep in mind that you must be at least 18 to apply. If you’re under age 21 or applying for a secured credit card, you’ll have to apply online. All Discover credit cards, including student cards, earn rewards on every eligible purchase—you can choose a credit card that earns cash back or miles.
A credit card works by providing you with a revolving line of credit that you can access as needed. Every month, you’ll receive a statement telling you how much credit you've used and the minimum payment due if you choose not to repay the full balance. If you pay the statement balance in full by the due date each month, you won't be charged interest. Otherwise, your unpaid credit card balance accrues interest based on your APR. You can often earn a percentage of your eligible credit card purchases back as rewards, like miles or cash back.
When you apply for a credit card, the credit card issuer will pull your credit report–which may result in a hard inquiry–and use it, along with other information you provide, such as your income, to decide whether to approve your application and what your credit limit may be.
There’s no easy credit card to get. Credit card approval isn’t guaranteed and depends on many factors, like your credit history and income. If you have an established credit history and good credit score, you may find you can get approved for many cards. However, if you’re just starting your credit journey or want to rebuild your credit history,3 Discover it® Secured Card may be best for you. Similarly, students with limited or no credit history may find that a Discover student card fits their financial needs. And remember, every Discover credit card earns rewards on purchases.
Discover offers many benefits across our line of products. All Discover Cards offer rewards, either cash back or Miles, on each eligible purchase. Plus, only Discover automatically gives unlimited Cashback Match to all new cardmembers: we'll automatically match all the cash back you've earned at the end of your first year.1 Also, Discover has no annual fee on any of our cards. We’re also serious about protecting your personal information, with benefits that include Online Privacy Protection, free Social Security number alerts, $0 Fraud Liability Guarantee, and more.
Tools to help you choose the best credit card for you
Are you ready to add a Discover credit card to your credit journey?
Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®
Travel Credit Card: Discover it® Miles
Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card
Secured Credit Card: Discover it® Secured credit card
Cash Back Credit Cards
Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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
Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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 Cards
Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% - x% variable, based on your creditworthiness. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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
x% standard variable purchase APR . Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: x% 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: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.
NHL and the NHL Shield are registered trademarks of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2024. All Rights Reserved.
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Cashback Match: Only from Discover as of July 2024. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
Discover Match®: Only from Discover as of July 2024. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
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2% Cash Back at gas and restaurants: You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.
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Build credit with responsible use(Secured): Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.
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Minimum Security Deposit: If approved, you must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit. Discover will determine your maximum credit limit by your income and ability to pay.
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$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.
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About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.
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There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.
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Acceptance: According to the Feb 2024 issue of the Nilson Report.
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Each Mile is equal to $0.01. Starting at 1 Mile you can apply Miles as credit to your account to pay for all or part of your statement, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within 180 days. Miles cannot be redeemed directly with a specific airline carrier. See Terms and Conditions for more information.
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