Discover Credit Cards

Enjoy the newest benefits from the company ranked among the highest in customer loyalty for 18 years in a row (according to the 2014 Brand Keys Customer Loyalty Engagement Index report). With an exclusive, dedicated number, customers can talk to a real person any time with 100% U.S.-based service. Discover it offers generous cash rewards, like unlimited 1% cash back on credit card purchases automatically. Here are some featured cards from Credit Karma’s partner, Discover.

Available Credit Cards

New Offers

Discover it® Miles Offer

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
12 Months 12 Months  
0%*
10.99%*
10.99% – 22.99%*
Variable
$0
Excellent

Intro Purchase APR: 0%* (12 Months)

Balance Transfers: 10.99%* (12 Months)

Regular APR: 10.99% – 22.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Excellent

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR on purchases for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%.
  • Exclusive Double Miles Offer: At the end of your first year - when other Miles cards charge an annual fee - Discover doubles all the Miles you've earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees - up to $30 a year - with an automatic statement credit.*
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number - day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.

Cash Back Credit Cards

Discover it®

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
14 Months 14 Months  
0%*
0%*
10.99% – 22.99%*
Variable
$0
Excellent

Intro Purchase APR: 0%* (14 Months)

Balance Transfers: 0%* (14 Months)

Regular APR: 10.99% – 22.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Excellent

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Discover it® chrome

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
14 Months 14 Months  
0%*
0%*
10.99% – 22.99%*
Variable
$0
Excellent

Intro Purchase APR: 0%* (14 Months)

Balance Transfers: 0%* (14 Months)

Regular APR: 10.99% – 22.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Excellent

  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Balance Transfer Credit Card

Discover it® - 18 Month Balance Transfer

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months 18 Months  
0%*
0%*
10.99% – 22.99%*
Variable
$0
Excellent

Intro Purchase APR: 0%* (6 Months)

Balance Transfers: 0%* (18 Months)

Regular APR: 10.99% – 22.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Excellent

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms,balance transfer terms and other info by clicking “Apply.”

Discover it® chrome

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months 18 Months  
0%*
0%*
10.99% – 22.99%*
Variable
$0
Excellent

Intro Purchase APR: 0%* (6 Months)

Balance Transfers: 0%* (18 Months)

Regular APR: 10.99% – 22.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Excellent

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms,balance transfer terms and other info by clicking “Apply.”

Student Cards

Discover it® for Students with $20 Cash Back

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months  
N/A
10.99%*
12.99% – 21.99%*
Variable
$0
Fair

Intro Purchase APR: N/A ()

Balance Transfers: 10.99%* (6 Months)

Regular APR: 12.99% – 21.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Fair

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Discover it® Chrome for Students with $20 Cash Back

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months  
N/A
10.99%*
12.99% – 21.99%*
Variable
$0
Fair

Intro Purchase APR: N/A ()

Balance Transfers: 10.99%* (6 Months)

Regular APR: 12.99% – 21.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Fair

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Discover it® for Students

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months 6 Months  
0%*
10.99%*
12.99% – 21.99%*
Variable
$0
Fair

Intro Purchase APR: 0%* (6 Months)

Balance Transfers: 10.99%* (6 Months)

Regular APR: 12.99% – 21.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Fair

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Discover it® chrome for Students

Intro Purchase APR Balance Transfers Regular APR Annual Fee Min. Credit Needed†
6 Months 6 Months  
0%*
10.99%*
12.99% – 21.99%*
Variable
$0
Fair

Intro Purchase APR: 0%* (6 Months)

Balance Transfers: 10.99%* (6 Months)

Regular APR: 12.99% – 21.99%* (Variable) ( )

Annual Fee: $0 ()

Min. Credit Needed: Fair

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

† The Minimum Credit Needed provided by lenders represents their estimate of the minimum level of credit required to be eligible for the product. There is no guarantee that you will be approved by the lender or that credit will be extended to you.