No Annual Fee Credit Cards

 

You don't need an annual fee for generous credit card rewards and top benefits. At Discover®, every credit card has no annual fee. Check if you're pre-approved with no harm to your credit score.14

 

See if You're Pre-approved
Discover credit cards with no annual fee

Earn rewards. Pay no annual fee.

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

Your rewards never expire2

You can always redeem for cash. And some cards let you get gift cards or redeem travel rewards as a statement credit for travel purchases.3

Earn rewards on every purchase

Your Discover rewards card will earn Cash Back or Miles on everyday purchases, big or small.

99% nationwide acceptance

Discover is accepted nationwide by 99% of places that take credit cards.4

 

Every Discover rewards credit card
has no annual fee

Bonus rewards for eligible purchases vary by card. Redeem for cash in any amount, any time2

Discover it® Cashback Credit Card
Cash Back
★★★★★
★★★★★
x out of 5 Average of x Reviews
See how we calculate our ratings
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See rates, rewards, fees, and other cost information
Discover it® Miles Credit Card
Travel
★★★★★
★★★★★
x out of 5 Average of x Reviews
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Discover it® Student Cash Back Credit Card
Student Cash Back
★★★★★
★★★★★
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Discover it® Secured Credit Card
Secured
★★★★★
★★★★★
x out of 5 Average of x Reviews
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Discover it®Chrome Credit Card
Gas & Restaurants
★★★★★
★★★★★
x out of 5 Average of x Reviews
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Discover it® NHL® Credit Card
NHL®

Cards for all 32 teams

 

 

Apply Now
See rates, rewards, fees, and other cost information
Discover it® Chrome for Students Credit Card
Student Chrome
★★★★★
★★★★★
x out of 5 Average of x Reviews
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Man in a wheelchair sits at an outdoor cafe table looking at his laptop and smiling.

No annual fee card advantages

Simple finances

You simply handle purchases, any balance transfer or other account activity without paying or financing an annual fee on top of it all.

Your rewards are all yours
Because every Discover credit card has No annual fee, your rewards simply stay in your pocket.
Fair credit limits
Paying a credit card annual fee won't guarantee a higher credit limit. Discover reviews your credit score and more before offering a credit line with rewards and benefits but No annual fee, whether you have excellent credit, good credit or are working on your credit.

More about no annual fee credit cards

You can check your account terms any time for details on your interest rate and more. But Discover it® Cards have no annual fee, no pay-by-phone fee no late fee on your first late payment and no changes to your interest rate for paying late. See pricing details.

Your credit score is one factor we consider when making a decision about your Discover Card application. If you have excellent credit or good credit, you'll likely be interested in a card like Discover it® Cash Back or Discover it® Miles Card. If you're working on your credit score, we may still be able to offer you a Discover it® Secured Card.

Should you have to pay a fee to keep your credit card account open? Should you expect to lose your first $50, $100 or more in cash rewards to your card issuer as an annual fee? Do you want an extra charge each year that have to pay or finance? Or do you want to keep more money in your pocket by not charging any annual fee? We prefer the latter.

Discover it® Cash Back, NHL® Discover it®, Discover it® Student Cash Back

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.  Plus, earn 1% cash back on all other purchases.

 

Discover it® Miles Travel Card

Earn unlimited 1.5x Miles for every dollar you spend on purchases.

 

Discover it® Gas & Restaurants, Discover it® Student Chrome, Discover it® Secured

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.7 Plus, earn unlimited 1% cash back on all other purchases.

 

Unlimited Welcome Bonus

We'll automatically match all the Cash Back or Miles you've earned at the end of first year.1

 

No annual fee. Yes, top benefits.

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.11

Free Social Security number alerts

Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. 8 Activate for free.

100% U.S. Based Customer Service

You can talk to a real person from our customer service team any time.13

$0 Fraud Liability Guarantee

You're never responsible for unauthorized purchases on your Discover Card.9

Inward Curve

Deciding on the right no annual fee rewards credit card

3 ways to make your call:

Three friends walking outdoors, smiling and enjoying the day, with a blue sky background.

What's your lifestyle?

 

Have you established your credit? Are you a student? The Discover it Student Credit Card can help you build credit with responsible use.12 There's a Discover credit card to fit your need.

Two friends sitting at an outdoor café with drinks, one holding a small dog, while they chat and smile.

Which rewards credit card fits the way you shop?

 

Do you spend all over? Or mostly on gas or restaurants? Do you prefer earning cash back or Miles? Discover has a card to reward you.

Four family members standing together outdoors, smiling and enjoying a sunny day by the ocean.

How do you like to redeem rewards?

 

Cash rewards or travel rewards? Prefer a statement credit? Ever take your rewards shopping at Amazon.com5 or get gift cards? Discover has many ways to redeem.

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Let us help you decide

Let us help you decide

See if you’re pre-approved with no harm to your credit score.14

See if you’re pre-approved with no harm to your credit score.14

See Your Pre-approved Offers
Inward Curve

Helpful articles on no annual fee credit cards

Will My Credit Score Be Lower After Opening a Credit Card? >

 

Opening a new credit card account could lower or hurt your credit score in the short term, because it usually results in a hard inquiry on your credit report.

Cash or Credit: Which is Best? >

 

Cash or credit? Learn about each payment method, including the pros of credit cards and the benefits of paying with physical cash.

What are the advantages of credit cards? >

 

Learn all about the advantages of a credit card, how credit cards compare to debit cards and more with this Discover credit card advantages guide.

Money Saving Travel Credit Card Benefits >

 

These money saving credit card travel benefits can help you stretch your budget and enjoy your next vacation. Learn more about travel cashback rewards.

View all Articles on Getting a Credit Card
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