6 Best Discover Credit Cards | Find the Right Credit Card for Your Needs

Find the best Discover credit card for your needs, with detailed reviews of the biggest benefits and rewards offered by Discover. Compare and save on the perfect credit card to match your lifestyle.


Are you looking for a credit card that offers great rewards and perks? If so, Discover credit cards might be the perfect fit. With a variety of cards to choose from, ranging from cash back to travel rewards, there’s something out there for everyone. But how do you know which one is right for you?

In this article, we’ll look at the best Discover Credit Cards for your individual needs and preferences which is both  credit card issuer and a card network . We’ll review their features, benefits and drawbacks in detail, so you can make an informed decision on which card will give you the most bang for your buck.


Below are the list of best discover credit card.

Best Discover Credit Cards

Now, we will look at each card in terms of its features, benefits and drawbacks to help you decide which one is best for you:


Best Discover Credit Cards

1. Discover it® Cash Back: Best for Cashback

Discover-it-Cash-Back-Credit-Card
Discover it Cash Back Credit Card

Discover it® Cash Back provides a great opportunity for anybody who wants to get money back on their everyday purchases. With its Unlimited Cashback Match, you can make up to $150 per year and Discover will double that amount after your initial twelve months!

Plus, you can get 5% cash back at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, with no minimum spending or maximum rewards. Discover gives you an unlimited 1% cash back on all other purchases – automatically.

With discover it cash back there are no surprises – every $1 you earn in cash back is $1 you can redeem!

What’s more? You also get a 0% intro APR for 15 months on purchases and no annual fee. Don’t miss out on this amazing offer – click “Apply Now” to see terms and conditions.

Pros and Cons of Discover it cash back card:

Pros:

  • Earn cash back on everyday purchases
  • 5% cash back on quarterly rotating spending categories
  • No annual fee
  • Get a 0% intro APR for 15 months on purchases
  • Bonus is automatically matched at the end of your first year
  • Cons:
  • Some merchants do not accept Discover it® Cash back
  • Can only get 5% cash back at grocery stores, restaurants and gas stations, and no other merchants
  • Bonus categories must be activated quarterly
  • Low 1% base reward rate on every other expenses

Who should apply for Discover it® Cash Back?

Anyone who is looking for a card that offers great cash back rewards on their everyday purchases should consider applying for discover it cash back. It has the perfect offer for people who have a variety of spending categories that they would like to earn cash back on.

Additionally, the 0% intro APR for 15 months on purchases is an amazing deal, and the bonus is automatically matched at the end of your first year. This makes it a great card for anyone who is looking to get started earning cash back on their purchases.

2. Discover it® Secured Credit Card: Best Secured Discover Card

Discover It Secured Credit Card
Discover It Secured Credit Card

The Discover it® Secured Credit Card is one of the best secured cards out there. It’s an easy way to build credit without having to worry about a credit score, and you don’t have to pay any annual fees either.

With this card, you can earn a generous 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, you’ll get unlimited 1% cash back on all other purchases – automatically.

And if that wasn’t enough, Discover helps remove your personal information from select people-search websites for free, plus they give you an alert if ever your Social Security number appears on any Dark Web sites. Discover will do a Automatic reviews to see if you are ready to unsecured line of credit and return your deposit.

Plus cash back match doubles your rewards earning at the end of your first year! All you need is a refundable security deposit of at least $200 or more- that means a $200 deposit for a 200 credit line or a $500 deposit for a 500 credit line.

Discover it® Secured Credit Card is definitely worth looking into as it provides great perks that unsecured cards don’t always offer.

Read More: How To Pre-Qualify For The Discover It Cash Back Card

Pros and Cons of the Discover it® Secured Credit Card:

Pros:

  • Earn 2% cash back at Gas Stations and Restaurants
  • Unlimited 1% cash back on all other purchases
  • Get a free dispute resolution service
  • Get alerted if your Social Security number appears on any websites
  • Cash back match doubles your rewards earning at the end of your first year
  • Cons:
  • You must have a refundable security deposit
  • No intro annual fee
  • Can only get cash back at select merchants

Who should apply for the Discover it® Secured Credit Card?

The Discover it® Secured Credit Card is perfect for anyone who is looking for a secured credit card that has great rewards and protections. It’s an easy way to get started building credit, and there are no annual fees to worry about. Furthermore, the 2% cash back on gas stations and restaurants and the 1% cash back on all other purchases is great for everyday expenses.

If you’re looking for a secured credit card or have limited credit that has great rewards and protections, the Discover it® Secured Credit Card is definitely worth looking into.

3. Discover it® Cash Back Black: Best Discover Cash Back Card

If you’re looking for the best Discover cash back card, then look no further than the Discover it® Cash Back. With this card, you’ll get an unlimited cashback match at the end of your first year, with no minimum spending or maximum rewards.

On top of that, you can earn 5% cash back on everyday purchases at rotating spending categories each quarter and 1% cash back on all other purchases automatically.

You’ll also be able to redeem any $1 you’ve earned in cash back immediately. Plus, there’s a 0% intro APR for 15 months on purchases and no annual fee!

With all these advantages and more, it’s easy to see why the Discover it® Cash Back is the best Discover cash back card around.

Pros and Cons of the Discover it® Cash Back:

Pros:

  • Earn an unlimited cashback match at the end of your first year
  • 5% cash back on everyday purchases at rotating spending categories each quarter
  • Get 1% cash back on all other purchases automatically
  • Redeem any $1 you’ve earned in cash back immediately
  • 0% intro APR for 15 months on purchases
  • No annual fee

Cons:

  • Discover isn’t as widely accepted
  • Can only get 5% cash back at grocery stores, restaurants and gas stations, and no other merchants
  • Bonus categories must be activated quarterly
  • 5% bonus cashback rate is limited to $1,500 per quarter in spending

Who should apply for the Discover it® Cash Back?

If you’re looking for a card that offers a lot of flexibility and rewards, the Discover it® Cash Back is the best option for you. This card is great for people who love to spend, as you can earn a lot of rewards no matter what you buy. Plus, the 0% intro APR for 15 months is a great deal.

Read More: How to Find Your Discover Credit Card Account Number?

3. Discover it® Student Cash Back: Best Discover Student Card

DISCOVER IT® STUDENT CHROME
DISCOVER IT® STUDENT CHROME:Build a credit history while you add up rewards

Discover it® Student Cash Back is one of the best student credit cards around and it offers some great rewards. On top of that, Discover will match all the cash back you’ve earned at the end of your first year.

You can get 5% cash back on everyday items, such as Amazon.com, grocery stores, restaurants and gas stations, up to a certain limit after registering – plus an endless 1% cash back on all other buys – immediately. There is no annual fee or credit score check for applying. Furthermore, you’ll have 0% introductory APR on purchases for 6 months with a variable purchase APR thereafter.

The main downside to this card is that the 5% bonus cashback rate is limited to $1,500 per quarter in spending and bonus categories must be activated quarterly.

All in all though, this card has some great features that make it worth considering if you’re looking for a student credit card!

Pros and Cons of the Discover it® Student Cash Back:

Pros:

  • Earn an unlimited cashback match at the end of your first year
  • 5% cash back on everyday purchases at rotating bonus categories each quarter
  • Get 1% cash back on all other purchases automatically
  • No annual fee
  • 0% intro APR on purchases for 6 months

Cons:

  • Some merchants do not accept Discover it® Student Cash back
  • The 5% bonus cashback rate is limited to $1,500 per quarter in spending
  • Bonus categories must be activated quarterly
  • Interest rates on this card range from 16.74% – 25.74% Variable APR

Who should apply for the Discover it® Student Cash Back?

If you’re a student, the Discover it® Student Cash Back is a great option. This card offers a lot of rewards, including an unlimited cashback match and no annual fee.

Plus, the 0% intro APR on purchases is a great deal. If you’re looking for a card that won’t cost you a fortune, the Discover it® Student Cash Back is a good option to consider.

5. Discover it® Miles: Best Discover Card for Travel

Discover it Miles Best Discover Card for Travel
Discover it Miles Best Discover Card for Travel

Discover it® Miles card is the perfect credit card for travelers who want to earn and redeem rewards without overcomplicating their finances. With this card, you’ll enjoy an unlimited match of all the Miles you’ve earned at the end of your first year, plus 1.5x Miles on every dollar of every purchase with no annual fee.

Even better, you can redeem your Miles for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates or turn them into cash in any amount anytime – and they never expire!

Plus, you get 0% intro APR for 15 months on purchases and Discover helps remove your personal information from people-search websites and offers an on/off switch to freeze your account in seconds.

If that wasn’t enough, 99% of places that take credit cards will accept Discover cards – making it a great option for anyone who wants to make traveling easier.

Pros and Cons of the Discover it miles:

Pros:

  • Unlimited rewards match and 1.5x Miles on every dollar of every purchase
  • Redeem your Miles for travel purchases without blackout dates or restrictions
  • Never expire
  • Get 0% intro APR for 15 months on purchases
  • No foreign transaction fee
  • Miles can be redeemed for travel or cash back at the same rate

Cons:

  • Some merchants do not accept discover it miles
  • The Miles you earn may not be worth as much as the rewards you can redeem
  • Interest rates on this card range from 15.74% to 26.74% Variable APR

Who should apply for the Discover it® Miles?

If you’re looking for a card that will help you save money on your travel expenses, the discover it miles card is a great option. This card has an unlimited rewards match and no annual fee, which means you’ll never have to miss out on rewards. Plus, the 1.5x Miles on every dollar of every purchase will help you get the most out of your travel expenses.

Read More: Do you need to notify Discover Card of travel?

5. Discover it® chrome: Best Discover rewards card for Road Trips

Discover it® student chrome is a great rewards card for travelers looking to maximize their rewards on the road. With a 1-for-1 cash back match at the end of your first year and 2% cash back on gas station and restaurant purchases, up to $1,000 in quarterly spending, you can easily earn rewards when you’re out exploring.

Plus, with no annual fee and no foreign transaction fee, you don’t have to worry about extra expenses while you’re out traveling.

However, be aware that balance transfers come with high fees and most other purchases only earn 1%. If you’re looking for a card that will give you great rewards for those long road trips, discover it student chrome is the perfect choice!

Pros and Cons of the Discover it chrome:

Pros:

  • 1-for-1 cash back match at the end of your first year
  • 2% cash back on gas station and restaurant purchases, up to $1,000 in quarterly spending
  • No annual fee
  • No foreign transaction fee
  • Easy cash-back redemption options

Cons:

  • Balance transfers come with high fees
  • Most purchases only earn 1% cash back
  • Interest rates on this card range from 15.74% to 26.74%

Who should apply for the Discover it® chrome?

If you’re looking for a card that will give you great rewards for your road trips, the discover it® student chrome is a great option. This card has a 1-for-1 cash back match and no annual fee, making it easy to earn rewards. Plus, the 2% cash back on gas station and restaurant purchases, up to $1,000 in quarterly spending, means you can easily earn cashback while you’re on the go.

Read More: Can You Use Your Discover Card Before It Arrives?

6. Discover it® Balance Transfer: Best Credit Card for Balance Transfer

Discover it® Balance Transfer might be the best credit card for balance transfer, offering an impressive 0% introductory APR on balance transfers for 18 months (then 15.74 percent to 26.74 percent variable APR).

It also features a competitive cash back rewards program, so you can get a great return on your purchases over time. With no foreign transaction fees or penalty APR, plus an intro APR on purchases, this is a strong option to consider.

However, there are other cards with longer intro APR offers and an intro balance transfer fee of 3% percent that you should take into consideration before deciding.

Discover it® Balance Transfer does come with some excellent features though – such as unlimited cashback match at the end of your first year and 5% cash back on everyday purchases at different places each quarter that can be redeem as statement credit for travel purchases – so be sure to read our full review to learn more!

Pros and Cons of the Discover it® Balance Transfer:

Pros:

  • 0% intro APR on balance transfer for 18 months (then 15.74% – 26.74% Variable APR)
  • Competitive cash back rewards program
  • No foreign transaction fee
  • No penalty APR
  • Unlimited cashback match at the end of your first year
  • 5% cash back on everyday purchases at different places each quarter
  • Cons:
  • Intro APR on balance transfers only lasts 18 months
  • Intro balance transfer fee of 3%
  • Other cards offer more competitive intro APR offers

Who should apply for the Discover it® Balance Transfer?

If you’re looking to make a balance transfer to another credit card, the Discover it® Balance Transfer is a great card to consider. This card offers a 0% intro APR on balance transfer for 18 months, plus an unlimited cashback match at the end of your first year. Plus, the 5% cash back on everyday purchases at different places each quarter can help you save in the long run.

Read More: Does Aldi Take Discover Cards?


Deciding on a Discover card

When deciding on a Discover card, it’s important to consider the rewards and benefits that come with the card. Does it offer cash back or points? Are there any special deals or discounts available? Is there a low-interest rate option?

These are all important questions to ask yourself when selecting a Discover card. Additionally, make sure to compare different cards and read through the terms and conditions carefully before making your decision. It’s important to find one that fits your individual needs, so take the time to research each option. With Discover cards offering great rewards, discounts, and low rates, you can rest assured that you’re getting the best deal possible for your needs.


How to Pick the best Discover Credit Card

When it comes to choosing a Discover credit card, the two main factors you should consider are rewards and fees. You should look for a card that offers reward points and cashback that you can use, as well as one with no annual fee or low interest rates. Additionally, you should make sure to read through the terms and conditions carefully, as they can vary from card to card.

Once you have all the information you need, you can compare different cards and decide which one offers the best value for you. You should also ensure that the card you choose is accepted by most merchants, so you can take advantage of the rewards and benefits that come with it.

With the right Discover credit card, you can enjoy all the rewards and benefits that come with it and save money at the same time.

Now that you know how to pick the best Discover card, let’s check some of the frequently asked question about it.

Is a Discover card worth having?

A Discover card is definitely worth having as it offers lots of different benefits. Not only does it have a great rewards program, but you also get cashback on all your purchases and there are no annual fees.

Additionally, many Discover cards come with no foreign transaction fees which can be extremely useful if you travel frequently. Furthermore, the Discover security suite provides a variety of tools to help keep your financial information safe and secure.

Finally, the customer service team is always available to answer any questions or concerns you may have about your card or account. All in all, a Discover card is an excellent option for anyone looking for an easy way to save money while making purchases and taking advantage of other valuable benefits.

What is the highest Discover card limit?

The Discover Card is one of the most popular credit cards in the United States, offering attractive benefits and rewards to its users. Many customers want to know what the highest Discover card limit is.

The answer varies based on each individual’s credit score and financial history. Generally speaking, customers with an excellent credit score can get approved for a card with a very high limit – potentially up to $50,000 or more.

However, even those with lower scores may be able to qualify for limits in the thousands if they provide all requested information and demonstrate responsible use of their accounts. Ultimately, the best way to determine your exact limit is by applying for a Discover Card and seeing what you are approved for.

Which Discover card is easiest to get?

Discover it Secured Credit Card is the easiest Discover card to get because it is a secured card. This means that you must make a security deposit to secure the credit line, so anyone can get this card regardless of their credit score.

Is Discover card better than Amex?

When it comes to choosing a credit card, Discover and American Express (Amex) are two of the most popular options available. Both offer generous rewards programs and competitive rates, but which one is better? That depends on your individual needs and preferences.

Discover offers some of the best cash back rewards in the industry, with up to 5% cash back in certain categories each quarter. It also has an impressive 0% introductory APR period and no annual fee. Amex, on the other hand, offers exclusive access to certain events and experiences as well as higher reward points for travel-related purchases. Its introductory APR period is not as good as Discover’s and there is an annual fee associated with some of its cards.

Ultimately, Discover card may be a better option for those looking for a low-cost credit card with great cashback rewards while Amex might be more appealing to those who are after travel rewards or special access to events. It all comes down to personal preference and financial goals.

Is Discover card good to build credit?

Discover card is a great way to build credit. It offers a range of benefits, including no annual fee, cash back rewards, and an introductory 0% APR on purchases and balance transfers. With Discover card, you have access to a free FICO score every month and the ability to monitor your credit progress with their Credit Dashboard.

Additionally, Discover card reports your payment history to all three major credit bureaus each month, which helps to build a strong credit history over time. Plus, they offer special benefits and promotional offers throughout the year. All in all, Discover card is an excellent choice for those looking to establish or strengthen their credit score.

Is it better to get a Visa or Discover card?

When it comes to choosing between a Visa or Discover card, it really depends on the individual’s needs. If you’re looking for a low-cost option with no annual fee, then a Discover Card is likely the best choice. On the other hand, if you need more flexibility and a larger network of card acceptance around the world, then a Visa Card may be a better option.

Both cards offer rewards programs that allow users to earn points or cash back which can be redeemed for purchases or gift cards. Additionally, both offer fraud protection and online banking tools to make managing your finances easier. Ultimately, deciding between a Visa or Discover card will depend on your lifestyle and budgeting needs.

Is Discover it a hard card to get?

The Discover it card is not necessarily difficult to obtain, as long as you have good credit and meet the other qualifications. To get a Discover it card, you need to fill out an application online or in person and submit two forms of ID along with proof of address. Once your application is approved, you will be required to make a minimum security deposit to open your account.

You may also be asked to provide additional information such as income and employment status. The amount of the security deposit will depend on your credit score and other factors. Generally speaking, if you have good credit, the Discover it card should not be difficult to obtain.

Read More: Can I cancel my Discover Card application?

What credit score do you need to open Discover Card?

Discover Card is one of the premier credit cards available, offering a wide range of rewards and benefits to its users. To open a Discover Card account, you must have at least a good credit score. Generally, this means having a FICO score of 670 or higher.

A good credit score indicates to lenders that you are likely to make payments on time and handle your finances responsibly. If your credit score is below 670, you may still be able to qualify for the card if you provide additional information to prove your creditworthiness.

You can check your credit score before applying for any type of loan or credit card by using websites such as Credit Karma or Experian. Understanding your current financial standing can help you determine which types of accounts you’re eligible for and give you an idea of what type of interest rate and terms you might get when applying.

Can I get a Discover card with a 500 credit score?

Having a 500 credit score is not ideal when applying for a Discover card. A credit score of 500 is generally considered to be poor by lenders and banks, so it may be difficult to get approved for a Discover card.

However, there are some options available for those with lower credit scores. The Discover it® Secured Credit Card is designed specifically for those with limited or no credit history, and it requires no security deposit in order to apply. Additionally, the Discover it® Chrome has an everyday low rate and is tailored toward building good credit history.

Ultimately, if you have a 500 credit score, you may be able to get approved for a Discover card but it will likely have higher interest rates or fees than cards tailored toward those with excellent credit histories.

Best discover credit card for beginners?

Are you a beginner looking for the best Discover credit card? Look no further than the Discover it® Secured Credit Card. This is a great option that could help you build your credit score and purchase power, while also offering the same rewards and benefits of other Discover cards. With this secured credit card, you’ll be required to put down a security deposit, which serves as collateral for your account.

Your credit limit will then be set at an amount equal to your deposit, giving you control over how much you want to spend. As with all other Discover cards, there are no annual fees or foreign transaction fees associated with this card, and you can earn up to 2% cash back on dining and gas purchases.

The Discover it® Secured Credit Card is definitely one of the best options for beginners who want to begin building their credit history and reap the rewards of having a Discover card.

Read More: Does Discover Have a Secured Business Credit Card?

Best discover credit card with no annual fee?

The best discover credit card with no annual fee is the Discover it® Cash Back. This card offers a generous 5% cash back bonus on purchases made in certain categories, up to $1,500 per quarter. Plus, it has an impressive list of other benefits including 0% introductory APR for 15 months on purchases and balance transfers (after that APR is 15.74% to 26.74% variable), no foreign transaction fees, a free FICO Credit Score each month, fraud protection and more.

Even better, there are no blackout dates or seat restrictions when redeeming rewards for travel purchases made through Discover’s online booking tool. Ultimately, the Discover it® Cash Back is one of the best cards available without an annual fee, offering customers great value for their money along with plenty of perks and protections.

Best discover credit card for international students?

The best Discover Credit Card for International Students is the Discover it Student Cash Back card. This card offers 5% cash back on everyday purchases at various stores and restaurants, up to a certain dollar amount each quarter. Additionally, this card offers 0% intro APR on purchases for 6 months and no annual fee.

This card also includes Mastercard’s Zero Liability protection, which protects against unauthorized use of your card, as well as 24/7 U.S.-based customer service. Finally, this card allows international students to make payments with their local currency, which can help avoid costly conversion fees when making purchases abroad.

All in all, this is an excellent choice for international students looking to enjoy the convenience of a Discover Credit Card while studying in the United States.

Will Discover increase my Credit Limit Automatically?

It is possible that Discover may increase your credit limit automatically, however this is dependent on a number of factors. It generally looks at your overall credit history and current spending habits to decide if you are eligible for an increased limit.

If you have been a responsible cardholder with timely payments and low balances then it’s likely you will get an automatic increase at some point.

However, if you have missed payments or carry high balances on other cards then it is unlikely that Discover will increase your limit automatically. Additionally, Discover may factor in the length of time you’ve had the card, overall average balance and other information to determine if they should raise your limit or not.

Ultimately, the decision to raise your limit rests with them and not with you.

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About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.

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