Best Discover Credit Cards For June 2021

Credit card Introductory offer Awards Annual subscription Regular APR Minimum credit score
Discover it® Miles

Best overall / best for travel
Cash back doubled in the first year; 0% APR on purchases for 14 months Unlimited rewards 1.5x $ 0 11.99% to 22.99% 670
Discover it®

Ideal for business
Cash back doubled in the first year; 0% APR on purchases for 12 months 1.5% unlimited cash back $ 0 12.99% to 20.99% 670
Discover it® Cash Back

Best cash back
Cash back doubled in the first year; 0% APR on purchases and balance transfers for 14 months 5% cash back on rotating categories quarterly; 1% everything else $ 0 11.99% to 22.99% 670
NHL® Discover it®

Ideal for hockey fans
Cash back doubled in the first year; 0% APR on purchases and balance transfers for 14 months 5% cash back on rotating categories quarterly; 1% all the rest; Discounts on select NHL purchases $ 0 11.99% to 22.99% 670
Discover it® Chrome Gaz & Restaurants

Ideal for gas and catering
Cash back doubled in the first year; 0% APR on purchases and balance transfers for 14 months 2% cash back on gas and meals (up to $ 1,000 per quarter); 1% everything else $ 0 11.99% to 22.99% 670
Discover it® Cash Back for Students

Best student
Cash back doubled in the first year; 0% APR on purchases for 6 months 5% cash back on rotating categories quarterly; 1% all the rest; $ 20 per year depending on grades $ 0 12.99% to 21.99% 350
Discover it® Secure

Ideal for no credit
Cash back doubled in the first year; 0% APR on purchases and balance transfers for 14 months 2% cash back on gas and meals (up to $ 1,000 per quarter); 1% everything else $ 0 22.99% 350


Editorial pick for the best Discover credit cards

Discover it® Miles

Best overall / best for travel

Earn 1.5x unlimited miles that can be redeemed for travel, cash back and more. Take advantage of the 14-month TAP 0% promotion on purchases to give you more time to refund your transactions.

Read the whole Discover it® Miles Review.

Discover it® business card

Ideal for business

Business owners can turn their expenses into cash with unlimited 1.5% cash back on all expenses. All cash back rewards earned in the first 12 months are doubled at the end of the year.

Read the whole Discover it® Business Card Review.

Discover it® Cash Back

Best cash back

Offers 5% rotating cash back categories for merchants that consumers use frequently, such as grocery stores, gas stations, restaurants, and some online retailers. You can earn up to 10% cash back in the first year when Discover doubles all of your rewards.

Read the whole Discover it® Cash Back Review.

Discover it® balance transfer

Ideal for balance transfer

Use the longest balance transfer promotion offered by Discover to pay off your high interest debt. Hold on to the card for its 5% quarterly bonus categories and unlimited 1% cash back.

Read the whole Discover it® Balance Transfer Review.

Discover it® Chrome Gaz & Restaurants

Ideal for gas and catering

Get rewarded for your gas and meal purchases with double the standard cash back rates. New cardholders get their cash back doubled after the first year with no cap on the amount you can earn.

Read the whole Discover it® Chrome Gas & Restaurants Review.

Discover it® Cash Back for Students

Best student

Students receive $ 20 cash back for up to five years when they maintain good grades. All the earning power of the Discover it card, but designed for students who are just starting to build credit.

Read the whole Discover it® Student Cash Back Review.

Discover the NHL®

Ideal for hockey fans

Get the logo of your favorite NHL team on your Discover card. Earn up to 5% each quarter on your purchases in categories that change every three months.

Discover it® Secure

Ideal for no credit

Open an account from just $ 200 and with no administration fees, no annual fees and no monthly fees. Use your card wisely to become eligible for an upgrade.

Read the whole Find Out® Secure Exam.


Frequently Asked Questions

What is the story of Discover?

Discover was launched in 1985 and made its public debut in a Super Bowl commercial in early 1986. It is both a card network and a direct-to-consumer card issuer through Discover Bank, formerly Greenwood Trust Company. The Discover network ranks fourth in terms of merchant processing and acceptance volume, behind Visa, Mastercard and American Express, and sixth in terms of cards issued. Discover was originally owned by Sears, Roebuck and Company (the largest retailer in the world at the time) and was part of the Sears financial network which also included Dean Witter Reynolds and Coldwell Banker as its brokerage and real estate arms. Discover has revolutionized the card industry by issuing cards with no annual fee and offering above-average lines of credit. He then introduced his innovative Cashback rewards program, which was new for the time.

Is a Discover credit card right for me?

Yes, because Discover credit cards earn rewards in a variety of shopping categories, you can find the one that best suits the way you spend. Credit cards offer either a fixed rewards program or a program with rotating cash back categories.

Many people favor the predictable nature of fixed reward categories, like Discover it Miles, which offers 1.5 times unlimited miles on every purchase. However, others like to maximize their cash back with 5% bonus categories that change every three months with cards like the Discover it Cash Back.

Discover the advantages of the credit card

You will have various benefits depending on the card you select, but there are some benefits available on all Discover cards, such as:

  • Unlimited cash back corresponds to the first year
  • 0% APR promo on purchases, balance transfers or both (except secure card)
  • Activate / deactivate your account with Freeze It
  • $ 0 fraud liability for unauthorized purchases
  • 100% US based customer service
  • Free FICO Score

Discover credit card fees

None of the credit cards offered by Discover charge a annual subscription. This means that any Cash Back Rewards you earn are yours.

Discover waives your late fees on the first incident. After that, you will be billed up to $ 40. If you have a payment returned by your bank, the fees can go up to $ 40.

Interest rates for Discover credit cards

Interest rates vary by card and your creditworthiness. Discover the cards interest rate are variable and range between 12 and 23%. The secure card has a variable interest rate of 22.99%.

What types of cards does Discover offer?

Discover offers many credit cards to meet your financial needs and goals. These cards generally line up in these categories:

  • Credit cards with cash back
  • Reward Cards
  • Student cards
  • Small business cards
  • Secured credit cards

What types of credit cards does Discover issue?

Discover issues cards exclusively on its network-branded platform and does not issue Visa, Mastercard, or American Express network-branded cards. Discover primarily issues cash back rewards cards to consumers, students, and small business owners. It also offers a secure card product for those with a lower credit rating or no credit history.

What credit score do you need for a Discover credit card?

Discover offers credit cards for people with all ranges of credit scores. For most of its credit cards, a good credit score of 670 or higher is all that is needed to be considered for approval. Its student credit card is well suited for people who are in school and are just starting their credit journey. The secure card is designed for people with no credit or damaged who are willing to work to build their credit.

Are Discover cards accepted everywhere?

According to the Nilson report from February 2021, Discover credit cards are accepted in 99% of places that accept credit cards in the United States. This means that you should be able to use your Discover Card at virtually any store you want in America.

How does the Discover Cashback rewards program work?

Discover offers cards that mainly allow you to earn money, but also a card that offers generic airline miles (Discover it Miles). Discover’s Cashback Rewards Program offers a percentage back on all purchases, with 5% cash back on rotating expense categories and merchants on qualifying expenses up to $ 1,500 each quarter and 1% on all other expenses.

The following Discover cards can be used to earn these Cashback rewards:

  • Discover the Cash Back
  • Discover the Student Cash Back
  • NHL Find Out

Several other Discover cards have a different cash back structure. Discover it Chrome Card, Chrome Student Card, and Secure Credit Card offer 2% cash back on restaurant and gasoline purchases and 1% on other expenses. The Discover it Business card offers unlimited 1.5% cash back on all purchases.

How good is Discover’s customer service?

Discover receives high marks for customer service. In 2020, it placed second in the JD Power US Credit Card Satisfaction Study. Discover got a good score and missed out on first place by just one point.


Methodology

To find the best Discover credit cards, we’ve evaluated every credit card that Discover offers. Each card’s fees, rewards, interest rates, promotions and benefits were analyzed and rated. These scores have been ranked to determine the best card for each type of customer. We are constantly monitoring Discover’s credit card portfolio for new offers and term changes so that we can update our rankings and provide you with our recommendations.

MEET OUR CREDIT CARD EXPERT

Ben Woolsey is Investopedia’s editor for credit cards. He has over 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for Credit Cards.com and Bankrate.com.

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