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#1 for cash back
Discover it® Cash Back
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Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically.

This card is best for

5% cash back on rotating categories

Bottom Line

Rotating quarterly bonus categories will draw comparisons between this card and Chase Freedom. Discover's offering wins out with the Cashback Match - it's unique intro bonus which is a dollar-for-dollar match of all the cash back you earn in your first year.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
#1 for travel
Discover it® Miles
See Rates & Fees

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5X
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

This card is best for

Travelers

Bottom Line

This straight-forward travel card delivers 1.5X miles for every dollar on all purchases. Perfect for travelers who don't have preferred airlines, hotels, or destinations

At A Glance

Intro Bonus
Discover Match®

Unlimited Bonus: Only Discover will automatically match 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.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
#1 for gas and dining rewards
Discover it® chrome
See Rates & Fees

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Gas and dining rewards

Bottom Line

This card offers cash back at gas stations and restaurants of 2% for up to $1,000 in combined purchases per quarter, perfect if you want to earn cash back without keeping up with rotating categories.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable

More cards from Discover

Discover it® Student Cash Back
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.

This card is best for

Earning cash back as a student

Bottom Line

A great card for students or anyone with fair credit. You get the same quarterly categories and 5% back as the Discover it Cash Back with this card when you enroll (up to the quarterly max).

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable
Discover it® Student chrome
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable
Discover it® Secured
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.

This card is best for

Earning cash back while building your credit

Bottom Line

This card is ideal for consumers with little to no credit history who want to build credit quickly and safely.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
22.99% variable

More cash back cards from Discover

Discover it® chrome
See Rates & Fees

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Gas and dining rewards

Bottom Line

This card offers cash back at gas stations and restaurants of 2% for up to $1,000 in combined purchases per quarter, perfect if you want to earn cash back without keeping up with rotating categories.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
Discover it® Student Cash Back
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.

This card is best for

Earning cash back as a student

Bottom Line

A great card for students or anyone with fair credit. You get the same quarterly categories and 5% back as the Discover it Cash Back with this card when you enroll (up to the quarterly max).

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable
Discover it® Student chrome
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable
Discover it® Secured
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.

This card is best for

Earning cash back while building your credit

Bottom Line

This card is ideal for consumers with little to no credit history who want to build credit quickly and safely.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
22.99% variable

More student cards from Discover

Discover it® Student chrome
See Rates & Fees

No Credit History

Apply Now

Rewards Rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

This card is best for

Your first student credit card

Bottom Line

This card has similar benefits to the Discover it chrome, but it is offered to college students with fair credit.

At A Glance

Intro Bonus
Cashback Match™

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.

Annual Fee
$0
Regular APR
12.99% - 21.99% variable

Editorial disclosure: All reviews are prepared by hfyhpf120.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


This page includes information about the Discover it Balance Transfer product which is no longer offered by Discover.

Comparing Discover Card Offers

When you discover Discover, you find some hidden surprises, such as their dollar-for-dollar matching of all the cash back earned at the end of your first year, no annual fee and so much more. Here, we’ll take a deep dive into what each Discover card offers, then look at their common, most excellent features, such as free FICO score, U.S.-based 24/7 customer service, and more. Here, we look at:

  • Nilson Report Feb. 2020 chart, U.S. general purpose brands

    Discover rewards program and best redemption options

    There are a few key rewards programs attached to Discover credit cards, with some cards offering bonuses in an array of rotating spending categories and others offering bonus cash back in just a couple of spending categories.
    The following cards offer 5% cash back in rotating categories each quarter upon enrollment (up to the quarterly max, then 1%):

    • Discover it Cash Back
    • Discover it Balance Transfer
    • Discover it Student Cash Back

    The following cards offer 2% back at gas stations and restaurants (on up to $1,000 combined purchases quarterly, then 1%):

    • Discover it chrome
    • Discover it Student chrome
    • Discover it Secured

    While quarterly activation is required for the Discover cards with rotating categories, cash back for the chrome cards is automatic.

    Discover 5% cashback calendar 2020

    Discover’s 2020 cashback calendar is now live, so you can get a sense of how your spending habits line up and start planning your purchases accordingly.

    Winter (January – March)Spring (April – June)Summer (July – September)Holiday (October – December)
    • Grocery stores
    • Walgreens
    • CVS
    • Gas stations
    • Uber and Lyft
    • Wholesale clubs
    • Restaurants
    • PayPal
    • Amazon.com
    • Target.com
    • Walmart.com

    To ensure you earn the full 5% cashback bonus, keep the following in mind:

    • You must activate the bonus each quarter to receive 5% back.
    • Your bonus is active from the first day of the first month of each quarter – or the date on which you activate it, whichever is later – through the last day of the last month of each quarter.
    • You earn bonus cash back up to the quarterly maximum.
    • All spending over the quarterly maximum and all purchases outside a quarter’s bonus category earn 1% cash back.

    Best Discover reward redemption options

    Since cash back reward values are pretty straightforward, the best cash back redemption options are often the most convenient for you at the moment without sacrificing reward value. For gift card lovers, however, Discover has a great deal: There is an added value on each gift card you redeem for (for example, certain merchants offer a $25 gift card for $20 of cash back rewards).
    When you’re ready to collect your hard-earned Discover credit card rewards, here’s a quick rundown of your Discover redemption options.

    • Cash, either as a direct deposit or a statement credit – 1 cent minimum redemption
    • Amazon.com or PayPal purchases, using the “Cashback Bonus® option at checkout ($1 Cashback Bonus = $1) – no minimum redemption value
    • Gift cards (with an added bonus value) – $5 minimum redemption
    • Charity donations – 1 cent minimum redemption

    Discover it Miles can be redeemed as a credit toward eligible travel purchases on your credit card statement or as a bank account direct deposit, both at 1 cent per 1 mile. Plus, Discover cash back and miles don’t expire. Rather than erasing your rewards, Discover will credit your account with your cash back or miles balance if your account is closed or it hasn’t been used within 18 months.

    No annual fees on Discover cards

    You won’t pay an annual fee or foreign transaction fee on Discover cards. Annual fees can run in the hundreds of dollars, and foreign transaction fees — which are fees added on top of your purchase when you use your credit card at a non-U.S. retailer — are typically 3% of the charge. That’s a whole lot of money saved with those two fees waived. Discover cards carry a host of other features, as we’ll talk about next.

    Which Discover card should you get?

    Because Discover credit cards have such different structures from competitors, it’s a good idea to compare with any other cards you have your eye on. Discover offers the gamut – credit building, student, travel and cash back cards. Which is best for you?

    Consumer with a big balance – If you have a balance on another card, the Discover it Balance Transfer is one of the most generous on the market, with 0% intro APR for 18 months on balance transfers. However, the intro purchase offer is only 6 months, so even though this card offers 5% back on rotating categories after activation (up to the quarterly maximum, then 1%), don’t plan on carrying any of those purchases over past 6 months, because interest rates will kick in at a variable rate of (see terms).

    Shopper with a plan – There are a couple of options here, including the Discover it Cash Back and the Discover it chrome. The Discover it Cash Back is a good card for someone who enjoys angling to maximize their cash back rewards, while the chrome is a good option for someone who frequents restaurants or is a road warrior.

    Occasional traveler – If you are looking for one of the 48 million merchants in 190 countries and territories, with international acceptance continuing to grow. You can check out Discover’s online map to see if your card is likely to be accepted where you’re traveling, but rest assured that many popular destinations in South and Central America, Europe and Asia have a moderate or high rate of Discover acceptance. Countries with a high Discover acceptance rate include:

    • Argentina
    • Austria
    • Bahamas
    • Belize
    • Brazil
    • Chile
    • Croatia
    • Czech Republic
    • Ecuador
    • Greece
    • India
    • Israel
    • Jamaica
    • Japan
    • Kazakhstan
    • Kenya
    • Morocco
    • Paraguay
    • Peru
    • Poland
    • Slovakia
    • South Korea
    • Switzerland

    Discover also offers a variety of lending products, including checking accounts, personal and student loans, and more. Here’s what it offers:

    • Credit cards. You already know that these products provide excellent value, but they also offer great service and security.
    • Banking. Discover also offers savings, checking, IRAs and CDs with a competitive APY for 12 months and a minimum $2,500.
    • Personal loans. Discover’s variety of loans can be used for major purchases, life events, remodeling or debt consolidation.
    • Student loans. All manner of student loans are offered, with a fixed rate undergraduate loan’s starting fixed rates ranging from 4.24%-12.39%.
    • 数字货币交易软件_数字货币手机app下载home equity. These loans range from 3.99%-11.99% fixed APR for $35,000-$200,000. That’s with no application fee, origination fee or appraisal fee.

    Recap: The Best Discover Credit Cards of 2020

    Credit CardBest For:hfyhpf120.com RatingAnnual Fee
    Discover it® Cash BackCash back with rotating rewards categories4.3 / 5$0
    Discover it® Balance TransferLong balance transfer offer4.5 / 5$0
    Discover it® MilesEarning airline miles4.0 / 5$0
    Discover it® chromeGas and dining rewards with cash back match4.1 / 5$0
    Discover it® Student Cash BackGood Grades Rewards and rotating categories4.2 / 5$0
    Discover it® Student chromeGood Grades Rewards, gas stations and restaurants4.2 / 5$0
    Discover it® SecuredEstablishing credit4.1 / 5$0

    Laura is an editor and writer at hfyhpf120.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and
    Associated Press. You can reach her by e-mail at @creditcards_lm.