Apply for the best Discover credit card for you

Earn the way you want. Get cash back or Miles whether you've established a credit history or are building one.

All with no annual fee

See if you’re pre-approved for a credit card offer – there’s no impact to your credit to check. Check Now

Earn 5% cashback

On everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until .

Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

Earn unlimited 1.5x Miles

For every dollar spent on all purchases — from airfare and hotels to groceries and online shopping.

Discover Match®

Only Discover will automatically match all the Miles you've earned at the end your first year.1 There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

0% Intro APR for 14 months on purchases.

Then 11.99% to 22.99% Standard Variable Purchase APR will apply.

2% cash back

At gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until .

Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

2% cash back

At gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Build your credit with
responsible use.4

22.99%

Standard Variable Purchase APR.

Refundable security deposit required5

Earn 5% cashback

On everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

$20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years 3

0% Intro APR for 6 months on purchases.

Then 12.99% - 21.99% Standard Variable Purchase APR will apply.

2% cash back

At gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

$20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years 3

0% Intro APR for 6 months on purchases.

Then 12.99% - 21.99% Standard Variable Purchase APR will apply.

NHL® Credit Card

Cards for all 31 teams

Earn 5% cashback

On everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

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

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until .

Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

Unlimited 1.5% Cash Back

Earn 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.

Cashback Match

The only business credit card with Cashback Match

Only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year!1 There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

0% Intro APR for 12 months on purchases.

Then 12.99% to 20.99% Standard Variable Purchase APR will apply.

Frequently Asked Questions

Discover credit cards are available on the Discover it® platform, a set of common benefits we’re committed to providing to every customer. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need.

 

Discover it® Cash Back: earn rewards at different places

 

Discover it® Miles: great for vacations or staycations

 

Discover it® Chrome Gas & Restaurants: earn rewards on road trips

 

Discover it® Secured: build your credit history

 

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®: put your favorite team on your card

 

Discover it® Business: simple, smart benefits business owners need

You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel credit cards. We also have Discover student cards and a Discover business card. All our credit cards earn Discover rewards on every purchase. You’ll need to be 18 or older to apply for a card. If you're not yet 21, you will have to apply online. Discover business card and Discover Secured card applicants must also apply online.

Discover card credit score requirements vary by product. In general, the standard Discover it® Card is for people with established credit. But the Discover Secured card is built for people looking to build or rebuild their credit with responsible use.4 No matter what, cardmembers earn Discover Card rewards on every purchase.

People wondering how to get a credit card should check their credit score with a free tool like the Discover Credit Scorecard. Then you may want to do a credit card comparison and choose the one that’s best for you. It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. While checking if you’re pre-approved won’t hurt your credit, each full application for a credit card may impact your credit score.

If you’re thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Then, a credit card comparison can help you choose the one that’s best for you. It’s always good to check if you’re pre-approved for a card before you apply. Checking if you’re pre-approved won’t harm your credit, but applying for credit cards may impact your credit score.

You may receive credit card offers in the mail, by email or online. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees and credit limits. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. And look for a sign-up bonus that doesn’t have a minimum spending amount required to get your extra rewards.

Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. The credit card company will run a credit check as part of its decision to approve your application. It’s a good idea to check your credit score or get a copy of your credit report before applying for a new card.

A credit card is a revolving loan that you can use to make purchases. Each month you’ll receive a statement telling you how much of the loan you have used and have to pay back. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Otherwise your APR will apply to your unpaid credit card balance and you’ll have interest charges in your next statement. When you apply for a credit card, the credit card issuer will do a hard pull on your credit report as one of the factors they use to decide whether to approve your application. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. A credit card comparison shows you different rewards and benefits and can help you find the credit card that’s best for you.

Your credit limit is the maximum amount of the revolving line of credit on on your card—or the total amount you can use 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.

There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. Or you might want to build your credit history. Some credit cards provide $0 Fraud Liability, which means you won’t be held responsible for unauthorized purchases on your credit card account. Also, credit cards often provide extra benefits, like showing your credit score for free or providing helpful alerts on your spending and more.

Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. So they may consider your credit score, income and more. One of the simplest helpful credit habits is to make at least the minimum payment for all of your bills every month.

Cash Back Credit Cards: Discover it® Cash Back, Gas &Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards


Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card


Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards


Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card


22.99% standard variable purchase APR . Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50 . Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card


Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2020. All Rights Reserved.

  1. Cashback Match: Only from Discover, as of September 2020. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

    Discover Match®: Only from Discover, as of September 2020. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  2. 2% Cash Back at gas and restaurants: You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further detail.

  3. Good Grade: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.

  4. Builds credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit.

  5. Discover refunds deposits two ways: 1) automatic monthly reviews at 8 months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time, or 2) when you close your account and pay in full we will return the security deposit to you. Deposit refunds can take up to two billing cycles plus ten days.