Credit Cards

Compare and apply for the best Discover credit card for you

Discover credit cards include rewards like cash back or miles so you can pick the best rewards credit card for you.

All with no annual fee

Apply with more confidence

See if you’re pre-approved with no harm to your credit score7

★★★★★
★★★★★
4.7 / 5 Average of 33867 Reviews 
See how we calculate our ratings

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.

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

Intro APR Offer

0% Intro APR for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until March 10, 2025.

Then 18.49% to 27.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

★★★★★
★★★★★
4.8 / 5 Average of 1860 Reviews

See how we calculate our ratings

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.

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

0% Intro APR for 6 months on purchases.

Then 17.49% to 26.49% Standard Variable Purchase APR will apply.

★★★★★
★★★★★
4.6 / 5 Average of 2864 Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

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

Build your credit with responsible use.3

27.49Standard

Variable Purchase APRapplies.

Your credit line will equal your deposit amount, starting at $200.4

★★★★★
★★★★★
4.8 / 5 Average of 1108 Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

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

0% Intro APR for 6 months on purchases.

Then 17.49% to 26.49% Standard Variable Purchase APR will apply.

★★★★★
★★★★★
4.3 / 5 Average of 1071 Reviews

See how we calculate our ratings

Earn unlimited 1.5x Miles

on every dollar of every purchase9 — from hotels to groceries and online shopping.

No annual fee

Unlimited Discover Match®

We’ll automatically match all the Miles you’ve earned at the end of your first year.1 There's no signing up, no minimum spending or maximum rewards. Just a Mile-for-Mile match.

Intro APR Offer

0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until March 10, 2025.

Then 18.49% to 27.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

★★★★★
★★★★★
4.5 / 5 Average of 2521 Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

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

Intro APR Offer

0% Intro APR for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until March 10, 2025.

Then 18.49% to 27.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

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.

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

Intro APR Offer

0% Intro APR for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until March 10, 2025.

Then 18.49% to 27.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

How to apply for a credit card online

Smiling family with a young child on the father's shoulders, standing in front of a lush green ivy-covered wall
Smiling family with a young child on the father's shoulders, standing in front of a lush green ivy-covered wall

When you consider credit card offers, it's important to know whether you want a card with no annual fee, a balance transfer offer, cash rewards or travel rewards, a 0% introductory APR, enhanced security programs, or other benefits.

Once you know the card features that matter to you, you can review the benefits of each credit card online and pick one most likely to approve someone with your credit score.

You might already be preapproved for a credit card that has everything you want-Discover makes it possible to find out before you submit a credit card application, and checking won't hurt your credit.

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Credit Card FAQs

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.

Are you ready to add a Discover credit card to your credit journey?

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