Explore your free benefits and unlimited rewards
All with no annual fee.
Security
From secure online account management to fraud monitoring.
Social Security Number Alerts
Get an alert if we find your Social Security Number on any of thousands of Dark Web sites, and we'll monitor your Experian® credit report and notify you if anyone pulls your credit or opens a new account. Activate for free.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, and can be activated with the Discover App.2
$0 Fraud Liability
Discover’s $0 Fraud Liability Guarantee You’re never responsible for unauthorized purchases on your Discover Card account.3
Freeze your card
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.4
Earn Rewards
Every Discover card earns rewards on every purchase.
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Discover it® Cash Back
Earn 5% Cash back
on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases — automatically.
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Discover it® Gas and Restaurants
Earn 2% Cash back
At gas stations and restaurants on up to $1,000 in combined purchases each quarter.5Plus, earn unlimited 1% cash back on all other purchases — automatically.
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Discover it® Travel Miles
Earn unlimited 1.5x Miles
Automatically earn unlimited 1.5x Miles on every dollar of every purchase6
Redeem for cash
Redeem Cashback Bonus in any amount to pay your bill.
Service
Count on 100% U.S.-based customer service by phone or messenger app.
Message a U.S.-based agent to get your questions answered.
With the Discover mobile app, it’s easier than ever to manage your account anywhere, anytime.
Dial 1-800-DISCOVER (1-800-347-2683) to get help in English or Español. Available 24/7.10
Make it yours
There's no excuse for a boring card design.
Choose one that’s all you.
Financial Tools
Get the insights you need to better manage your finances.
Know your score
Get your FICO® Credit Score, plus see important details that help make up your score for free.11
Track your spending
The spend analyzer tool lets you see your total monthly spending, broken down by category.
Recurring charges
Avoid surprises and see all the regular payments you’re making for subscriptions and memberships.12
Pay your way
Now there's more convenient ways to pay than ever.
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Click to payA password-free way to pay online.13
Cash Back Credit Cards
Intro purchase APR is % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % variable to % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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 % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % variable to % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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 % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % - % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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
% standard variable purchase APR. Intro Balance Transfer APR is % for 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: % 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: % Intro fee on balances transferred by and up to % 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.
1. Social Security Number Alerts: Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to, Primary cardmembers that agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
2. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.
3. $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.
4. Freeze your card: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
5. 2% Cashback: 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.
6. Earn 1.5x Miles: 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.
7. Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.
8. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.
9. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions.
All reward redemptions are subject to Discover’s reward program terms. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.
PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.
10. Service: You can reach a live agent anytime by calling 1-800-347-2683. Certain specialized customer service agents may not be available 24/7.
11. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
12. Recurring Charges Dashboard: We identify card not present (or online) transactions as a "Recurring Charge" in your Dashboard when merchants have marked the transactions as recurring, or we have determined there is a clear pattern of recurrence. It is possible that some recurring charges may not appear in your dashboard.
13. Click to Pay: The Click to Pay icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
14. Digital Wallet: Purchases include some online purchases and some in-store purchases made with your smartphone, tablet, or wearable. Purchases made with Google Pay include only those made by tapping your mobile device in-store. Certain third-party payment accounts and digital wallet transactions may be identified as being through a digital wallet. Discover does not determine the transaction details it receives for purchases.
For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices.
15. Amazon: Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
16. PayPal: PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.