Our pick for

Cashback

Discover it® - Cashback Match™

Discover it® - Cashback Match™

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 14 months

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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: You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Drawbacks

Bottom line


Our pick for

Balance transfers

Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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.

Drawbacks

Bottom line


Our pick for

Travel

Discover it® Miles

Discover it® Miles

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases for 14 months and 10.99% on Balance Transfers for 14 months

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
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.

Drawbacks

Bottom line


Our pick for

College students

Discover it® for Students

Discover it® for Students

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

APR

  • APR: 13.99% - 22.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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.

Drawbacks

Bottom line

Our pick for

Building or rebuilding credit

Discover it® Secured Card - No Annual Fee

Discover it® Secured Card - No Annual Fee

Apply Now on Discover's secure site

Intro APR Promotions

10.99% on Balance Transfers for 6 months

APR

  • APR: 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual fee
$0
Ongoing APR
23.99%
APR, Variable
Recommended credit score
350
629
Poor
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.

Drawbacks

Bottom line