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.
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.