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.
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
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Discover it® Balance Transfer Apply now on Discover's website | Excellent for Balance Transfer | $0 | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 16.49%- | Apply now on Discover's website |
Discover it® Cash Back Apply now on Discover's website, or call 800-347-0264 | Excellent for Everyday spending: Discover it® Cash Back | $0 | 0% intro APR for 15 months on purchases and balance transfers | 16.49%- | Apply now on Discover's website, or call 800-347-0264 |
Discover it® Student Cash Back Apply now on Discover's website, or call 800-347-0264 | Excellent for College students: Discover it® Student Cash Back | $0 | 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months | 17.49%- | Apply now on Discover's website, or call 800-347-0264 |
Discover it® Miles Apply now on Discover's website, or call 800-347-0264 | Excellent for Travel: Discover it® Miles | $0 | 0% intro APR for 15 months on purchases and balance transfers | 16.49%- | Apply now on Discover's website, or call 800-347-0264 |
Discover it® Student chrome Apply now on Discover's website, or call 800-347-0264 | Excellent for NerdWallet's 2021 Award Winner for Best Credit Card for Students | $0 | 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months | 17.49%- | Apply now on Discover's website, or call 800-347-0264 |
Excellent for: Balance Transfer
on Discover's website
on Discover's website
$0
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
16.49%-27.49% Variable APR
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
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
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
Excellent for: Everyday spending: Discover it® Cash Back
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
0% intro APR for 15 months on purchases and balance transfers
16.49%-27.49% Variable APR
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
on Discover's website, or call 800-347-0264
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
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
Excellent for: College students: Discover it® Student Cash Back
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months
17.49%-26.49% Variable APR
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
on Discover's website, or call 800-347-0264
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
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
Excellent for: Travel: Discover it® Miles
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
0% intro APR for 15 months on purchases and balance transfers
16.49%-27.49% Variable APR
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
on Discover's website, or call 800-347-0264
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
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
Excellent for: NerdWallet's 2021 Award Winner for Best Credit Card for Students
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months
17.49%-26.49% Variable APR
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
on Discover's website, or call 800-347-0264
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
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