Discover The Finest Credit Cards Of August 2023
Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
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Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
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Everyday Cash Rewards
Cash Back Match
Unlimited cash back
Dining Rewards
BEST FOR HIGH REWARDS
Discover It® Cash Back
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
5%
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.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% – 28.24% variable
Read the full review
Pros
- The bonus categories tend to cover practical, everyday purchases that won’t be out of your way as a consumer, including gas stations, grocery stores and restaurants.
- Low cost of ownership is a trademark feature of Discover cards, which translates to no annual fees, no foreign transaction fees and more.
Cons
- Managing the bonus categories, activating every quarter and targeting your spending does require more maintenance than you’d have with a simple, flat-rate card.
- The 5% bonus rate applies only to the first $1,500 in rotating category purchases per quarter, after which it drops to 1%. If you spend a lot in a particular category year-round, a fixed-rate card with unlimited earnings could be more lucrative.
Bottom Line
If you’re willing to put in the work on the categories, the Discover it® Cash Back could be a satisfying way to get more out of spending.
Highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 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 unlimited 1% cash back on all other purchases – automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% for 15 months
View All Capital One Quicksilver Cash Rewards Credit Card Details
BEST FOR BALANCE TRANSFERS
Discover It® Balance Transfer
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
5%
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.
1%
Plus, earn unlimited 1% cash back on all other purchases-automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% – 28.24% variable
Read the full review
Pros
- The card offers a number of consumer-friendly terms, including no annual fee, no foreign transaction fees and no penalty APR.
- Discover will match the cash back you earned at the end of your first year.
Cons
- There are longer introductory APR offers on balance transfers on the market.
- The introductory APR offer on purchases is limited compared to other cards.
Bottom Line
If you want a long time to pay down a credit card balance while still earning cash back on new purchases, this card is a strong contender.
Highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 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 unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% for 18 months
View All Capital One SavorOne Cash Rewards Credit Card Details
BEST FOR TRAVEL REWARDS
Discover It® Miles
see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
1.5%
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
Intro offer
Discover Match®
Annual fee
$0
Regular APR
17.24% – 28.24% variable
Read the full review
Pros
- The rewards program makes it easy to earn Miles even when you’re not actually traveling. A fill-up at the gas station earns rewards at the same rate as the purchase of a round-trip airline ticket.
- There’s no foreign transaction fee, which is ideal for a travel card. Your international purchases won’t be subject to currency conversion charges.
Cons
- As much as you may appreciate simplicity, a higher-grade travel credit card does offer some advantages. They typically include higher rewards rates, automatic membership in loyalty programs and richer travel perks.
- If you take the card abroad, remember that Discover’s payment network has less broad coverage than those of Visa, Mastercard and American Express.
Bottom Line
If you’ve searched for a simple way to earn and use travel rewards, the Discover it® Miles might be your destination.
Highlights
- Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 17.24% – 28.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 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.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% Intro APR for 15 months
View All Capital One Venture Rewards Credit Card Details
Discover it® Cash Back
See Rates & Fees
Rewards Rate
5%
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.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% – 28.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 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 unlimited 1% cash back on all other purchases – automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% for 15 months
View All Discover it® Cash Back Details
Pros
- The bonus categories tend to cover practical, everyday purchases that won’t be out of your way as a consumer, including gas stations, grocery stores and restaurants.
- Low cost of ownership is a trademark feature of Discover cards, which translates to no annual fees, no foreign transaction fees and more.
Cons
- Managing the bonus categories, activating every quarter and targeting your spending does require more maintenance than you’d have with a simple, flat-rate card.
- The 5% bonus rate applies only to the first $1,500 in rotating category purchases per quarter, after which it drops to 1%. If you spend a lot in a particular category year-round, a fixed-rate card with unlimited earnings could be more lucrative.
Discover it® Balance Transfer
See Rates & Fees
Rewards Rate
5%
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.
1%
Plus, earn unlimited 1% cash back on all other purchases-automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% – 28.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 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 unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% for 18 months
View All Discover it® Balance Transfer Details
Pros
- The card offers a number of consumer-friendly terms, including no annual fee, no foreign transaction fees and no penalty APR.
- Discover will match the cash back you earned at the end of your first year.
Cons
- There are longer introductory APR offers on balance transfers on the market.
- The introductory APR offer on purchases is limited compared to other cards.
Discover it® Chrome
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% – 28.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% for 15 months
View All Discover it® Chrome Details
Pros
- If you like road trips, earning cash back at the gas pump and at restaurants is a useful way to help offset the cost of the journey.
- You won’t be charged an annual fee, a foreign transaction fee or a first-time late payment fee (although that fee is up to $41 for late payments after that).
Cons
- A few competitors earn higher rewards rates in similar categories, including the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express.
- People with long commutes and families with multiple drivers might find the up to $1,000 combined quarterly limit a little restrictive.
Discover it® Student Cash Back
See Rates & Fees
Rewards Rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
18.24% – 27.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- 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 unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Cash Back Details
Pros
- The bonus categories are everyday, not obscure. The typical Discover cash back calendar includes categories such as restaurants, grocery stores.
- This card is low on fees which is great for someone new to credit. There is no annual fee, no foreign transaction fees and no penalty APR.
Cons
- The management aspect of the rotating bonus categories isn’t for everyone. Unless you commit to activating every quarter and adjusting your spending habits in those areas, you won’t get the card’s full value.
- Avoid carrying a balance whenever possible (on this card or any card) since the high end of the APR range could make carrying a balance a challenge.
Discover it® Student Chrome
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
18.24% – 27.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people- search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Chrome Details
Pros
- You don’t necessarily need a stellar credit score or extensive credit history to apply. The recommended credit score for this card is fair (580 to 669 FICO, 601-660 VantageScore).
- Although you should always pay your credit card bill on time and in full, this card does offer a little cushion (including no late fee for the first time you miss a payment, up to $41 after that).
Cons
- Although you’ll earn 2% cash back at gas stations and restaurants, the rate drops to 1% after you spend $1,000 in combined purchases each quarter. The only category where you earn unlimited cash back (1%) is the catch-all “other eligible purchases.”
- If you’re looking for fancy perks, you won’t find them here. This card profiles as everyday, not extravagant.
Discover it® Secured Credit Card
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
28.24% variable
highlights
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
28.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Secured Credit Card Details
Pros
- The card reports to all three major credit bureaus, unlike some cards that report to only two. Reporting to all three bureaus means that responsible credit habits will have a wider positive effect on your credit score and credit history.
- Starting at seven months, Discover will review your account to see if you might qualify for an upgrade to an unsecured line of credit and a deposit refund.
Cons
- The security deposit ($200 minimum) is higher than some competitor cards. Although good credit habits could lead to a full refund eventually, paying $200 upfront might not be ideal for everybody.
- This card’s regular APR is above average for typical credit cards. With this card, carrying an unpaid balance could cost you a lot more in interest charges.
Discover it® Miles
See Rates & Fees
Rewards Rate
1.5X
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
Intro offer
Discover Match®
Annual fee
$0
Regular APR
17.24% – 28.24% variable
highlights
- Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 17.24% – 28.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 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.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 months
Regular APR
17.24% – 28.24% Variable APR
Intro Balance Transfers APR
0% Intro APR for 15 months
View All Discover it® Miles Details
Pros
- The rewards program makes it easy to earn Miles even when you’re not actually traveling. A fill-up at the gas station earns rewards at the same rate as the purchase of a round-trip airline ticket.
- There’s no foreign transaction fee, which is ideal for a travel card. Your international purchases won’t be subject to currency conversion charges.
Cons
- As much as you may appreciate simplicity, a higher-grade travel credit card does offer some advantages. They typically include higher rewards rates, automatic membership in loyalty programs and richer travel perks.
- If you take the card abroad, remember that Discover’s payment network has less broad coverage than those of Visa, Mastercard and American Express.
Discover it® Student Cash Back
See Rates & Fees
Rewards Rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
18.24% – 27.24% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- 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 unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Cash Back Details
Pros
- The bonus categories are everyday, not obscure. The typical Discover cash back calendar includes categories such as restaurants, grocery stores.
- This card is low on fees which is great for someone new to credit. There is no annual fee, no foreign transaction fees and no penalty APR.
Cons
- The management aspect of the rotating bonus categories isn’t for everyone. Unless you commit to activating every quarter and adjusting your spending habits in those areas, you won’t get the card’s full value.
- Avoid carrying a balance whenever possible (on this card or any card) since the high end of the APR range could make carrying a balance a challenge.
Discover it® Student Chrome
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
75,000 miles
Annual fee
$95
Regular APR
19.99% – 29.99% variable
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people- search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Chrome Details
Pros
- You don’t necessarily need a stellar credit score or extensive credit history to apply. The recommended credit score for this card is fair (580 to 669 FICO, 601-660 VantageScore).
- Although you should always pay your credit card bill on time and in full, this card does offer a little cushion (including no late fee for the first time you miss a payment, up to $41 after that).
Cons
- Although you’ll earn 2% cash back at gas stations and restaurants, the rate drops to 1% after you spend $1,000 in combined purchases each quarter. The only category where you earn unlimited cash back (1%) is the catch-all “other eligible purchases.”
- If you’re looking for fancy perks, you won’t find them here. This card profiles as everyday, not extravagant.
BEST FOR STUDENTS' SHOPPING
MORE CARDS FROM DISCOVER
Discover it® Student Cash Back
See Rates & Fees
Rewards Rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases - automatically.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
18.24% - 27.24% variable
Pros
- The bonus categories are everyday, not obscure. The typical Discover cash back calendar includes categories such as restaurants, grocery stores.
- This card is low on fees which is great for someone new to credit. There is no annual fee, no foreign transaction fees and no penalty APR.
Cons
- The management aspect of the rotating bonus categories isn’t for everyone. Unless you commit to activating every quarter and adjusting your spending habits in those areas, you won’t get the card’s full value.
- Avoid carrying a balance whenever possible (on this card or any card) since the high end of the APR range could make carrying a balance a challenge.
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- 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 unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% - 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Cash Back Details
Discover it® Chrome
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
17.24% - 28.24% variable
Pros
- If you like road trips, earning cash back at the gas pump and at restaurants is a useful way to help offset the cost of the journey.
- You won’t be charged an annual fee, a foreign transaction fee or a first-time late payment fee (although that fee is up to $41 for late payments after that).
Cons
- A few competitors earn higher rewards rates in similar categories, including the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express.
- People with long commutes and families with multiple drivers might find the up to $1,000 combined quarterly limit a little restrictive.
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months
Regular APR
17.24% - 28.24% Variable APR
Intro Balance Transfers APR
0% for 15 months
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Prime Choice For Flat-Rate Cash Rewards
Discover it® Student Chrome
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
75,000 miles
Annual fee
$95
Regular APR
19.99% - 29.99% variable
Pros
- You don’t necessarily need a stellar credit score or extensive credit history to apply. The recommended credit score for this card is fair (580 to 669 FICO, 601-660 VantageScore).
- Although you should always pay your credit card bill on time and in full, this card does offer a little cushion (including no late fee for the first time you miss a payment, up to $41 after that).
Cons
- Although you’ll earn 2% cash back at gas stations and restaurants, the rate drops to 1% after you spend $1,000 in combined purchases each quarter. The only category where you earn unlimited cash back (1%) is the catch-all “other eligible purchases.”
- If you’re looking for fancy perks, you won’t find them here. This card profiles as everyday, not extravagant.
highlights
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people- search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 6 months
Regular APR
18.24% - 27.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Student Chrome Details
BEST FOR BUILDING CREDIT
Discover it® Secured Credit Card
See Rates & Fees
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
28.24% variable
Pros
- The card reports to all three major credit bureaus, unlike some cards that report to only two. Reporting to all three bureaus means that responsible credit habits will have a wider positive effect on your credit score and credit history.
- Starting at seven months, Discover will review your account to see if you might qualify for an upgrade to an unsecured line of credit and a deposit refund.
Cons
- The security deposit ($200 minimum) is higher than some competitor cards. Although good credit habits could lead to a full refund eventually, paying $200 upfront might not be ideal for everybody.
- This card’s regular APR is above average for typical credit cards. With this card, carrying an unpaid balance could cost you a lot more in interest charges.
highlights
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
28.24% Variable APR
Intro Balance Transfers APR
10.99% for 6 months
View All Discover it® Secured Credit Card Details
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Criteria Used
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