Compare the best Discover credit cards. Welcome bonuses, annual fees, rewards rates — ranked from our full Discover catalog of 6 active cards.
Compare the best Discover credit cards. Welcome bonuses, annual fees, rewards rates — ranked from our full Discover catalog of 6 active cards.
Discover issues its own cards on its own network, so every card here is a Discover it product with no annual fee. The lineup splits by how you want to earn. Discover it Cash Back and the Secured and Student Cash Back versions pay 5% in categories that change each quarter, up to the quarterly maximum once you activate, and 1% on everything else. Discover it Chrome and Student Chrome pay a flat 2% at gas stations and restaurants on up to $1,000 in combined purchases a quarter. Discover it Miles pays 1.5 miles per dollar with no categories to track.
The feature that sets Discover apart is the first-year match. Instead of a fixed welcome bonus, Discover matches all the cash back (or miles) you earn in your first year, dollar for dollar, with no minimum spend and no cap. For a cardholder who activates the 5% categories every quarter, that match is the welcome bonus; any extra offer on a specific card is on its card page.
Cash back redeems at face value with no minimum, and the Secured card reports to the credit bureaus like any other card, which is why it appears on so many first-card shortlists. We read each rate on Discover's own product pages and stamp the date on every card page below.