Best Discover Credit Cards

Which Discover card is right for your wallet?

Update: Some offers mentioned below are no longer available or the benefits and terms have changed. View the issuer’s site for current information. 

Credit cards offer cardholders lines of credit that they can use for purchases on the condition they pay back the loan — a fairly straightforward concept. However, credit cards can also offer a bevy of bonuses like a low intro APR, rewards points, travel discounts and cash back. This can make choosing the right card for you complicated.

Discover was introduced by Sears in 1985 and today it offers a wide variety of cards, from cash back to secured options so you can build your credit. To help you decide what card is best for you, keep reading about some of the best products Discover has to offer.

The Best Discover Credit Cards
Credit Card Best For APR Features
Discover it Cash Back Card Getting returns on common purchases like groceries, gas and more 0% APR for 14 months for both purchases and transfers, then 13.99% to 24.99%
  • 5% cash back on rotating categories such as groceries and Amazon
  • Cash back match at the end of the first year
  • Rewards never expire
Discover it Secured Card Building up credit 24.99% APR
  • No annual fee
  • Free Social Security number alerts
  • 1% cash back with a cash back match at the end of your first year
Discover it Miles Card Travelers For the first 14 months: 0% APR on purchases and 10.99% APR for transfers; then 13.99% to 24.99% APR for each.
  • Earn 1.5 miles for every $1 spent on all purchases
  • Mile-for-Mile match at the end of your first year
  • No blackout dates
Discover it Student Cash Back Card Students For the first six months: 0% APR for purchases and 10.99% APR for transfers; then 14.99-23.99% for both
  • $20 credit every school year your GPA is 3.0 or above
  • 5% cash back on rotating categories such as restaurants and gas
  • Cash back match at the end of your first year
NHL Discover it Card Hockey fans 0% APR for the first 14 months; after that, 13.99%-24.99%
  • Save 10% when you purchase at with the code ITPAYS
  • 5% cash back on rotating categories such as gas and restaurants
  • Customizable gloss with your favorite team
Rates depend on creditworthiness and are accurate as of Nov. 8, 2018.
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Discover it Cash Back Card

Five percent is an impressive cash-back rate, but you are limited to qualifying categories that rotate throughout the calendar year. For example, the 5 percent rate only applies to Amazon purchases from October to December. You still earn 1 percent cash back on all other purchases. Note that you’ll earn 5 percent cash on only your first $1,500 in purchases for each rotation. Discover will match your cash-back earnings at the end of your first year of holding the card. The card also comes with a free FICO credit score on your monthly statements and you can freeze your account with ease in the event you misplace your card.

Compare Discover’s cash-back card to the best credit card offers, deals and bonuses.

Discover it Secured

Secured credit cards are used to build up credit by providing collateral. In this case, it’s a $200 deposit, which might be refunded to you at the end of eight months if you use it responsibly. Discover notes that most cardholders using this product receive a credit score after nine months of use. The card provides free alerts if your Social Security number is flagged on risky websites as well as a free FICO credit score on your monthly statements.

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Unusual for a secured credit card, this product comes with a 1 percent cash-back feature, and Discover will match your cash-back earnings at the end of your first year. This card does have a high APR though, which can wind up hurting your credit score — and your wallet.

Learn More: Discover It Secured Credit Card Review — Helps Build, Rebuild Credit

Discover it Miles Card

This Discover card is definitely suited for travelers. You can accumulate miles, then redeem them for rewards such as an electronic deposit to your bank account or a credit to travel purchases made within the last 180 days, including airline tickets, hotel rooms, car rentals and commuter transportation. Since there are no blackout dates included in the card, you’re given much more flexibility when planning your vacation. Compare the best travel credit cards.

Discover it Student Cash Back Card

Students shopping for their first credit card might consider Discover’s — it’s one of the best credit cards for students. Like the Discover it Cash Back card, this also comes with 5 percent cash back on rotating categories with the same quarterly spending bonus cap — $1,500. Studious cardholders with a school year GPA of 3.0 will also receive a $20 credit to their Discover student card account. Discover will also match your cash-back rewards for the first year of having the card.

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NHL Discover it Card

Hockey fans should consider the NHL Discover card. Not only can you personalize the card’s gloss with your favorite team’s logo, you receive 10 percent off when using it to shop at The card also comes equipped with some nice features such as 5 percent cash back and a cash back match at the end of your first year.

The Bottom Line

Before you apply for a Discover card, consider what you can gain from it. Most of the cards featured here come with cash-back features, which will let you take advantage of Discover rewards. Be mindful of the cards’ other rewards, as they will affect how you can use it. Remember to choose a card that isn’t just suitable for your financial needs, but your financial goals as well. Any questions regarding the cards or your account should be directed to Discover customer service at 800-347-2683.

Keep reading to learn about the best rewards credit cards.

More on Credit Card Advice

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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article.

About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.

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