There are a lot of credit cards out there, and not all of them are created equal. Some carry higher APRs, some offer lower ones and some even come with rewards programs. In this article we'll take a look at 10 great Discover cards that can help you build your credit score and make everyday expenses easier to manage.
Discover it® Cash Back
Discover it® Cash Back is a cash back rewards card that offers 0% intro APR for 14 months on purchases and balance transfers. It also has no annual fee and no foreign transaction fees, making it a great option for travelers. The rewards are redeemable as statement credits or gift cards:
You can use your points to book travel reservations through Chase's portal (1 cent per point), or take them to Amazon (1 percent of each point).
If you're interested in using your points where they're earned—such as at restaurants—you'll need to transfer them into another account before they're available for use there.
Discover it® Student Cash Back
Discover it® Student Cash Back is a great card for students, as it offers no annual fee and 5% cash back on up to $1,500 in purchases made each quarter. The category that you choose to use for your cash back rewards will rotate every three months. For example, if you choose the grocery category from April through June (the spring), then from July through September (the summer), and then October through December (the fall). You can earn 1% cash back everywhere else! That means that if you make all other purchases with this card at 1% cash back instead of 0%, then you’ll save money overall by using Discover It® Student Cash Back instead of another cash back debit card like Chase Freedom Unlimited or Citi Simplicity Card ($0 annual fee).
Discover it® Balance Transfer
The Discover it® Balance Transfer is a great option for those who want to make a large purchase and want to ensure that they don't pay any interest on their balance.
If you're interested in this card, here are some of its key benefits:
No annual fee.
0% intro APR for 14 months on purchases and balance transfers (then 14.24%-23.24% Variable).
5% cash back on rotating categories each quarter (up to $1,500 per quarter) up to $1,500 total per calendar year after that; 1% cash back on all other purchases; 2% cash back at gas stations; 3X miles/points earned with partner airlines through the airmiles program that can be used towards customer centric travel rewards programs like Southwest Airlines® Rapid Rewards® program which might be worth considering if you plan on going abroad frequently or flying domestically often enough!
Discover it® Miles
Discover it® Miles is a great credit card for people who want to save money on their everyday purchases. The card offers 3% cash back on restaurants and gas, 2% cash back on all other purchases, and 1% cash back when you sign up for automatic payments. If you're going to use your card regularly and make at least $1,500 in combined grocery and drugstore purchases each quarter (which can be done online), you'll be able to earn an additional 1% cash back in addition to what was already earned by making those types of purchases with the Discover it® Miles Card or any other rewards-earning credit cards like Chase Freedom or American Express Blue Cash Preferred.
NHL® Discover it®
If you like to travel, the Discover it® Card has no annual fee and earns 5% cash back at gas stations and restaurants, 2% cash back at grocery stores and 1% on everything else. You can earn $20 in bonus rewards after you make your first purchase with this card.
The APR for purchases is 14.24%, which is high but not one of the highest we found among credit cards with similar perks (see below).
Discover it® Chrome Student
The Discover it® Chrome Student is a great option for college students. It has no annual fee, and you earn 6% cash back on restaurants, gas stations, and travel. You'll also get 1% cash back on all other purchases—including Amazon and Costco—which makes this card an excellent choice for students who want to save money while they're on campus.
The best part? The Discover it® Chrome Student doesn't have foreign transaction fees! This means that if you're traveling abroad (or even just visiting another country), your card won't cost more than using your regular credit card at home.
Discover it® Secured Credit Card
Discover it® Secured Credit Card is a secured credit card that allows you to build your credit history by using the card responsibly. You can use this card for purchases, such as groceries and gas. Plus, with no annual fee and no foreign transaction fees, it’s a great way to start building good habits that will help you in the future!
Discover it® Business Card
The Discover it® Business Card is a great option for business owners who want to earn rewards on their purchases. It’s no-fee and comes with a sign-up bonus: up to $200 in cash back, which can be redeemed for statements or gift cards.
Rewards are earned on every purchase: You get 2% cash back on all purchases, plus 1% on everything else. That’s 3% total reward rate!
Bonuses are earned through rotating categories: You earn 1% cash back when you shop at participating merchants (like Best Buy or Amazon) that have been selected by Discover as part of its “My Lucky Portal” program—the more often you shop there, the higher your earnings will be. Each quarter there are different categories based on common themes like restaurants and travel (for example), so check back often if you haven't seen them before!
Cash back match at end of first year: If your rewards balance goes down by 5%, they'll match up to $150 per quarter until next year's cycle begins again; this means any extra cash earned beyond what would normally be paid out could actually go towards paying off debts instead!
Discover it® Cash Rewards for Students
The Discover it® Cash Rewards for Students is a great card for college students. It has no annual fee and offers 5% cash back on rotating categories up to the quarterly maximum each time you activate, 1% cash back on all other purchases and 0% intro APR for 6 months on purchases, then a variable APR of 12.99%-22.99%. This means that you could earn up to $1,000 back per year (and more if you make more than $10k in purchases).
AARP Credit Card from Discover
No annual fee.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
1% cash back on all other purchases.
There's no limit to how much you can earn—and it never expires!
There are many great credit cards available from the issuer.
Discover is one of the most popular credit card issuers in the world. They have a wide variety of cards and rewards programs, which makes it easy for you to find a card that fits your needs perfectly. Here are some tips on how to choose a Discover card:
Look at the types of rewards programs offered by each card
Compare their interest rates and fees
See if they offer any sign-up bonuses
Conclusion
There are many great credit cards available from the issuer. The Discover it® Miles is a good choice for people who like earning miles when they spend money and it has a low APR which makes it an affordable option. The Discover it® Balance Transfer is also a great choice as you will get zero percent interest on your balance for 12 months, plus there’s an introductory 0% APR offer that lasts as long as you have your card open.