We noticed that you're using an old version of your internet
browser to access this page. To protect your account security,
you must update your browser as soon as possible. You'll
be unable to log in to Discover.com in the future if your
browser has not been updated. Learn
more in the Discover Help Center
Here are some important factors to consider when comparing credit cards:
The APR is the interest rate your credit card company uses to determine any interest you may owe. You can also compare introductory and penalty APRs on cards.
Does the card have an annual fee just for using the card? Are there penalty fees for missed payments? Also, compare balance transfer and cash advance fees.
Compare credit card reward offers, like what type (cash back, miles) and how much you can earn. Also, does the card fit your normal spending habits? Compare the categories you spend the most in and the rewards you can get from each card in those categories. For example, can you earn more cash back on gas and restaurant purchases on one card compared to another?
Compare which cards offer a bonus just for signing up, such as matching all the cash back or miles you’ve earned within a certain time period after opening an account.
Compare how and when you can redeem your rewards. Is there a minimum amount you can redeem? For airline rewards, are there restrictions for which airline you can use or blackout dates?
Consider our premium benefits when comparing 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
Online Privacy Protection
We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app.2
100% U.S. Based Customer Service
You can talk to a real person from our customer service team any time.7
99% Nationwide Acceptance
Discover is accepted nationwide by 99% of places that take credit cards.3
When you compare credit cards, consider which is the best rewards credit card for how you spend. Do you prefer the straightforward rewards of cash back credit cards? Or do travel credit cards suit your spending better? Also, see which fees you can avoid. And keep in mind what your credit history looks like today. If you want credit cards for good credit or excellent credit, Discover has Cash Back Credit Cards and a Travel Credit Card. If you’re building your credit history, Discover offers a Secured Credit Card. Discover also has Student Credit Cards.
If you’re a student looking to build a credit history,9 one of the Discover Student Credit Cards can help. If you’re not a student, and you want to build your credit history,6 Discover offers a Secured Credit Card that differs from standard, unsecured credit cards because you provide a deposit to ‘secure’ your credit line.
Every Discover Card provides rewards on every purchase, every day. The best rewards credit card for you will be the one that rewards you most where you like to shop. See the Discover Cash Back Credit Cards or our Travel Credit Card to find a great rewards credit card.
If you’re just starting out with credit, you may be a student. Take a look at the Discover Student Credit Cards to build your credit history. If you’re not a student, our Secured Credit Card can help you build your credit history as well.
There’s no single answer to the question “How many credit cards should I have?” But you may want to check if you have the best rewards credit card for how you spend and where you shop. Also, take a look at the fees on your card. At Discover, we make sure all our rewards credit cards give you Cash Back or Miles on every single purchase. And all our cards have no annual fee. Also, according to the February 2023 issue of the Nilson Report, Discover is accepted nationwide by 99% of places that take credit cards. So if you do want one card you can count on, check out our Cash Back Credit Cards or our Travel Credit Card to find your favorite.
Your credit history is one of many factors Discover considers in your application. If you want to see if you’re pre-approved for a Discover Card, you can check for pre-approved offers with no harm to your credit score.8 If you don’t qualify for one of our standard cards, our Secured Credit Card may be a great way for you to build your credit history.
Discover offers 7 credit cards for different credit and rewards needs. The Discover it® Cash Back credit card is a great choice for people with good to excellent credit. We also offer the Discover it® Miles Travel Card, Discover it® Chrome Gas and Restaurants Card and NHL® Discover it® Card. Students can choose a cash back credit card or gas & restaurant credit card. And the Discover it® Secured Card is for people looking to build a credit history.
Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®
Cash Back Credit Cards Intro purchase APR is 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 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 June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 17.24% to 26.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 27.24% 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 June 10, 2025 then the standard purchase APR applies. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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.
Cash Back Credit Cards Intro purchase APR is 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 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 June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 17.24% to 26.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 27.24% 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 June 10, 2025 then the standard purchase APR applies. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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.
Cash Back Credit Cards Intro purchase APR is 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 0% for 15 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 18.24% variable to 27.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 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 June 10, 2025 then the standard purchase APR applies. Standard purchase APR: 17.24% to 26.24% variable, based on your creditworthiness. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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 27.24% 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 June 10, 2025 then the standard purchase APR applies. Cash APR: 29.24% 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% Intro fee on balances transferred by June 10, 2025 and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of February 28, 2025. 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.
Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.