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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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NerdWallet's No Annual Fees from Discover
Discover it® Balance Transfer: Best for Balance Transfer
Discover it® Cash Back: Best for Everyday spending: Discover it® Cash Back
Discover it® Student Cash Back: Best for College students: Discover it® Student Cash Back
Discover it® Miles: Best for Travel: Discover it® Miles
Discover it® Student Chrome: Best for NerdWallet's 2021 Award Winner for Best Credit Card for Students
No Annual Fees from Discover From Our Partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
| Excellent for Balance Transfer | $0 | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 17.24%-28.24% Variable APR | Apply Now on Discover's website on Discover's website | |
| Excellent for Everyday spending: Discover it® Cash Back | $0 | 0% intro APR for 15 months on purchases and balance transfers | 17.24%-28.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
 Discover it® Student Cash Back Apply Now on Discover's website, 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 | 18.24%-27.24% Variable APR | Apply Now on Discover's website, 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 | 17.24%-28.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
 Discover it® Student Chrome Apply Now on Discover's website, 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 | 18.24%-27.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
Excellent for: Balance Transfer
Apply Now
on Discover's website
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
17.24%-28.24% Variable APR
Recommended Credit Score
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
- 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.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website
on Discover's website
Excellent for: Everyday spending: Discover it® Cash Back
Apply Now
on Discover's website,
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
17.24%-28.24% Variable APR
Recommended Credit Score
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- 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.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Excellent for: College students: Discover it® Student Cash Back
Apply Now
on Discover's website,
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
18.24%-27.24% Variable APR
Recommended Credit Score
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 cash back 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- 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 18.24% - 27.24% applies.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Excellent for: Travel: Discover it® Miles
Apply Now
on Discover's website,
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
17.24%-28.24% Variable APR
Recommended Credit Score
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. 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
- No annual fee
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% 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.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Excellent for: NerdWallet's 2021 Award Winner for Best Credit Card for Students
Apply Now
on Discover's website,
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
18.24%-27.24% Variable APR
Recommended Credit Score
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 cash back 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- 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 18.24% - 27.24% applies.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
