Best Discover Credit Cards of 2017

The Discover card was born in 1985 and set about disrupting the credit card industry by offering no annual fee and higher credit limits than other cards. But perhaps the reason we should thank Discover is for innovating cash-back bonuses on purchases, which many cards emulated thereafter.  

If you’re new to the world of credit cards, you may not realize how many different types of cards you can apply for. And some companies, including Discover, have a card to suit many situations. Maybe you’re a student trying to get your first card and build credit. Or a world traveler wanting to rack up points. Maybe you just want something simple with no frills or fees or you’re swamped in debt and trying to find the best way to pay it off. Here’s a look at the different cards Discover has to offer, and what you’ll get with each card.

Cash-back credit cards

Discover offers four cards with good cash-back deals. Take a look and see which one fits your needs.

Discover it Card

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Pros:

  • 0% on balance transfers and purchases for first 14 months
  • No annual fee
  • 5% cash-back reward rate on certain categories that change every three months
  • 1% cash-back reward rate on other purchases
  • Discover matches all the cash back you’ve earned at the end of your first year (for new card members only)
  • Free monthly access to your FICO score
  • Annual percentage rate (APR) can be as low as 11.49% after introductory rate

Cons

  • No signup bonus
  • $37 late-payment fee
  • After introductory period, 3% balance transfer fee
  • Cash advance fee of $10 or 5% of the amount of the advance, whichever is greater
  • APR can go as high as 23.49% depending on your creditworthiness

Discover it with Cashback Match

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This card is offered solely through Amazon.com, and you get a $75 statement credit after your first Amazon.com purchase made with your new Discover it card within three months of approval.

Pros

  • No annual fee
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically
  • $75 credit once you purchase something on Amazon.com with your new card
  • Earn 5% cash back each quarter in rotating categories, such as gas stations, restaurants, Amazon.com, wholesale clubs and more
  • Pay with your rewards at Amazon.com or redeem your cash back any time
  • Cash rewards never expire
  • Earn unlimited 1% back on all other purchases
  • 0% APR on balance transfers and purchases for first 14 months
  • APR can be as low as 11.49% after introductory rate

Cons

  • 3% fee for each balance transfer
  • APR can go as high as 23.49%
  • Must have excellent credit to qualify

Discover it Chrome 18-month Balance Transfer

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This card offers you 18 months at 0% interest on balance transfers, making it an excellent card to consolidate and pay off debt. It also has great cash-back offers.

Pros

  • No annual fee
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically
  • 0% introductory APR for six months on purchases and for 18 months on balance transfers
  • APR can be as low as 11.49% after introductory rate
  • Earn 5% cash back each quarter in rotating categories, such as gas stations, restaurants, Amazon.com, wholesale clubs and more
  • Earn unlimited 1% back on all other purchases
  • No late fee your first time late
  • No overlimit fees
  • No foreign transaction fees

Cons

  • 3% fee for each balance transfer
  • APR can go as high as 23.49%

Discover it Chrome: The Gas and Restaurant Card

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This gives you extra rewards for filling your car’s tank and for eating out.

Pros

  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically
  • 1% cash back on all other purchases
  • Discover matches all the cash back you’ve earned at the end of your first year (for new card members only)
  • 0% introductory APR for 14 months on purchases and balance transfers
  • APR can be as low as 11.49% after introductory rate

Cons

  • No signup bonus
  • $37 late-payment fee
  • After introductory rate, 3% fee for each balance transfer
  • Cash advance fee of $10 or 5% of the amount of the advance, whichever is greater
  • After introductory rate, APR can go as high as 23.49% depending on your creditworthiness

Travel credit cards

Discover offers only one travel reward card, but it has good deals. Take a look.

Discover it Miles Card

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This card can help you rack up miles pretty quickly, depending, of course, on how much you use your card.

Pros

  • Redeem rewards on every purchase, then redeem for travel or cash (100 miles equals $1)
  • Earn 1.5 miles on every dollar you spend on the card, with no limits
  • Discover matches every reward you’ve earned the first year (new card members only)
  • 0% APR on purchases for first 14 months
  • 10.99% introductory APR for 14 months on balance transfers
  • No annual fee
  • APR can be as low as 11.49% after introductory rate

Cons

  • No signup bonus
  • $37 late-payment fee
  • After introductory rate, 3% fee for each balance transfer
  • Cash advance fee of $10 or 5% of the amount of the advance, whichever is greater
  • After introductory rate, APR can go as high as 23.49% depending on your creditworthiness

Student credit cards

If you’re new to the world of credit, it can be difficult to qualify for a card. Discover has two cards designed for students looking to build a credit history.

Discover it Chrome Card for Students

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This student card gives you cash back on all restaurant and gas purchases.

Pros

  • Earn 2% cash back at all restaurants and gas stations, up to $1,000 combined each quarter
  • Earn 1% cash back on all other types of purchases
  • Discover matches all cash back you’ve earned during the first year (new card members only)
  • 0% introductory APR on all purchases in the first six months
  • 10.99% APR on balance transfers during the first six months
  • APR can be as low as 13.49% after introductory rate
  • No annual fee

Cons

  • No signup bonus
  • $37 late-payment fee
  • After intro rate, 3% fee for each balance transfer
  • Cash advance fee of $10 or 5% of the amount of the advance, whichever is greater
  • After introductory rate, APR can go as high as 22.49% depending on your creditworthiness

Discover it Card for Students

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This card gives cash back rewards in purchase categories that change throughout the year. Otherwise, it is very similar to the Student Chrome Card.

Pros

  • Earn 5% cash back in rotating categories each quarter, in places including gas stations, restaurants, Amazon.com, wholesale clubs and more. Up to $1,000 each quarter.
  • Earn 1% cash back on all other types of purchases
  • Discover matches all cash back you’ve earned during the first year (new card members only)
  • 0% introductory APR on all purchases in the first six months
  • 10.99% APR on balance transfers during the first six months
  • APR can be as low as 13.49% after introductory rate
  • No annual fee

Cons

  • No signup bonus
  • $37 late-payment fee
  • After introductory rate, 3% fee for each balance transfer
  • Cash advance fee of $10 or 5% of the amount of the advance, whichever is greater
  • After introductory rate, APR can go as high as 22.49% depending on your creditworthiness

Secured credit cards

Discover offers one secured credit card. This is a card similar to a bank debit card because you need to have the money on hand before you spend it. However, this type of card can help you build a credit history or repair a bad credit history because, unlike a bank card, a secured card reports to the three major credit bureaus.

Discover it Secured Credit Card

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For this card, you apply and provide a deposit. If you supply $200, for example, you’ll have a $200 line of credit.

Pros

  • This type of card is a good route for preparing credit or starting a credit history
  • 1% cash back on all purchases
  • 2% cash back on purchases at all restaurants and gas stations, up to $1,000 per quarter
  • Discover matches all cash back you’ve earned during the first year (new cardmembers only)
  • No annual fee
  • Get free access to your FICO credit score

Cons

  • Requires a refundable deposit, minimum of $200
  • 23.49% APR on all purchases

Discover offers cards for a variety of needs. Now all you need to do is decide which one will work best for you. For a detailed look at more personal credit cards, visit Supermoney’s list of cards.

CardRegular APR 
13.49% – 23.49%Apply
13.49% – 23.49%Apply
11.24% – 23.24%Apply
11.24% – 23.24%Apply
14.49% – 22.49%Apply