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No Annual Fees from Discover

Discover's credit cards don't charge annual fees and offer new cardholders a unique bonus in which the issuer matches all rewards earned in the first year. Nowadays you can use Discover in nearly as many places in the U.S. as Visa and Mastercard, although acceptance internationally is still quite limited. These are our favorite Discover credit cards.

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No Annual Fees from Discover From Our Partners

Excellent for: Balance Transfer

Apply now

on Discover's website

Discover it® Balance Transfer

4.9

NerdWallet rating 
Apply now

on Discover's website

Annual fee

$0

Intro APR

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

Regular APR

16.49%-27.49% Variable APR

Recommended Credit Score
  • 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • 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.

  • Every $1 you earn in cash back is $1 you can redeem.

  • No annual fee.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website

  • 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • 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.

  • Every $1 you earn in cash back is $1 you can redeem.

  • No annual fee.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Read full review

Excellent for: Everyday spending: Discover it® Cash Back

Apply now

on Discover's website, or call 800-347-0264

Discover it® Cash Back

4.9

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

16.49%-27.49% Variable APR

Recommended Credit Score
  • 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • 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.

  • Every $1 you earn in cash back is $1 you can redeem.

  • Get a 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Read full review

Excellent for: College students: Discover it® Student Cash Back

Apply now

on Discover's website, or call 800-347-0264

Discover it® Student Cash Back

4.6

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Intro APR

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

Regular APR

17.49%-26.49% Variable APR

Recommended Credit Score
  • 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • 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 17.49% - 26.49% applies.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Pros

  • No annual fee

  • Qualify with limited/bad credit

  • Bonus categories

  • Intro APR period

  • Reports to the three major credit bureaus

Cons

  • Complicated rewards

Read full review

Excellent for: Travel: Discover it® Miles

Apply now

on Discover's website, or call 800-347-0264

Discover it® Miles

3.8

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

16.49%-27.49% Variable APR

Recommended Credit Score
  • 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 - with no annual fee.

  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.

  • 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 with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.

  • 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% 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.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Pros

  • No annual fee

  • Intro APR period

  • Flexible rewards redemption

Cons

  • Requires good/excellent credit

  • No luxury perks

  • Lower acceptance abroad

Read full review

Excellent for: NerdWallet's 2021 Award Winner for Best Credit Card for Students

Apply now

on Discover's website, or call 800-347-0264

Discover it® Student chrome

5.0

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Intro APR

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

Regular APR

17.49%-26.49% Variable APR

Recommended Credit Score
  • 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • 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 17.49% - 26.49% applies.

  • Click through to Discover’s website to see terms and conditions.

  • View Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Pros

  • No annual fee

  • Intro APR period

  • Qualify with average credit

  • Bonus categories

Cons

  • Complicated rewards

Read full review