Our pick for

Cashback

Discover it® - Cashback Match™

Apply Now

on Discover's secure website

Annual fee
$0
Intro Purchase APR
0%
Recommended credit score
690
850
Good - Excellent
We like it for
Quarterly bonus categories Everyday spending New cardholder bonus

Benefits

The Discover it® - Cashback Match™ earns 5% cashback in rotating categories that you activate online, on up to $1,500 in spending per quarter. All other spending earns 1% cashback. In recent years, the 5% categories have included such everyday merchants as gas stations, restaurants and Amazon.com, making this a good option for someone looking for a one-card solution. There isn’t a traditional sign-up bonus; instead, there’s a unique benefit that puts you in charge of your bonus and could potentially be more lucrative. Discover describes it this way: Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

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Our pick for

Balance transfers

Discover it® - 18 Month Balance Transfer Offer

Apply Now

on Discover's secure website

Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
690
850
Good - Excellent
We like it for
Long 0% APR period Rewards New cardholder bonus

Benefits

This card offers largely the same benefits of the Discover it® - Cashback Match™ — same cashback rates, same 5% categories, same new cardholder bonus. Where it differs is in its 0% APR period. It offers an introductory APR of 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 23.99% Variable APR. If you’re looking to pay off high-interest credit card debt, transferring balances to this card will give you a good long time to whittle them down without interest charges.

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Our pick for

Travel

Discover it® Miles

Apply Now

on Discover's secure website

Annual fee
$0
Rewards Rate
1.5 miles
Recommended credit score
690
850
Good - Excellent
We like it for
No annual fee Simple rewards earning Easy rewards redemption No foreign transaction fees

Benefits

This card gives you an unlimited 1.5 miles per $1 spent on anything. Miles are worth 1 cent apiece and can be redeemed for credit against travel purchases made in the preceding 180 days. Redemption is simple: Book travel however you want — you aren’t limited to any specific airline, hotel, rental car agency or other service provider — and pay with the card. Then go online and apply your accumulated miles to wipe out some or all of the cost. You can also redeem miles for cashback as a deposit into a bank account. There’s a bonus for new cardholders, and unlike most travel credit cards, the Discover it® Miles charges an annual fee of $0.

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Our pick for

College students

Discover it® for Students

Apply Now

on Discover's secure website

Annual fee
$0
Intro Purchase APR
0%
Recommended credit score
630
689
Average
We like it for
No annual fee Rewards Good grades bonus 0% APR period

Benefits

The Discover it® for Students offers the same generous rewards as Discover’s regular cashback credit cards: 5% cashback in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% on everything else. The new cardholder bonus is the same, too. But there’s an additional treat for good students: a $20 bonus each year you have a GPA of 3.0 or better, for up to five years after you open your account. There’s even an introductory APR of 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 13.99% - 22.99% Variable APR.

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Our pick for

Building or rebuilding credit

Discover it® Secured Card - No Annual Fee

Apply Now

on Discover's secure website

Annual fee
$0
Ongoing APR
23.99% - 23.74%
APR, Variable
Recommended credit score
350
689
Poor - Average
We like it for
No annual fee Clear path to upgrading Rewards

Benefits

The Discover it® Secured Card - No Annual Fee offers something you rarely see with secured credit cards: rewards. It earns 2% cashback at restaurants and gas stations, on up to $1,000 in combined purchases each quarter, and 1% cashback on all other purchases. Further, for new cardholders, Discover automatically matches all the cashback you’ve earned at the end of your first year. However, what makes this card a top pick for people working to build or rebuild credit is its upgrade process. After eight months, Discover will start automatically reviewing your account each month to see whether you’re eligible to graduate to an unsecured card.

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