Apply for an Discover сredit сards. On 22.01.2025 you have access to credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Editor
Zarina S
Update 27.02.2023
What is Discover?
Discover is a direct banking and payment services company that provides a wide range of financial products and services to consumers in the United States. Founded in 1986, Discover has grown to become one of the largest credit card issuers in the country, with over 60 million cardholders.
Discover offers a variety of financial products and services, including credit cards, personal loans, home loans, student loans, and savings and checking accounts. The company's credit cards offer a range of rewards and benefits, including cash back, miles, and points. Discover's personal loans are designed to help consumers pay for large expenses, such as home improvements or debt consolidation, while its home loans are designed for homeowners looking to refinance or purchase a new home.
In addition to its core financial products and services, Discover also provides a range of online and mobile banking services, including online account management, mobile payments, and digital wallets. The company's digital banking platform provides users with a convenient and secure way to manage their money and make payments, with features such as account alerts, mobile check deposits, and instant payment notifications.
Discover is also known for its commitment to customer service and satisfaction. The company has received numerous awards and accolades for its customer service, including being named "Best Credit Card Company" by Consumer Reports and being named "Best Credit Card Provider" by J.D. Power and Associates. Discover is also known for its commitment to privacy and security, with robust fraud protection and account security features to protect its customers' personal and financial information.
Discover it Cash Back Card
The Discover it Cash Back credit card is a popular cash back rewards credit card that offers a number of rewards, benefits, and features for cardholders.
Rewards: With the Discover it Cash Back card, cardholders can earn unlimited cash back rewards on every purchase they make. The card offers 5% cash back in rotating categories that change each quarter, up to the quarterly maximum, and 1% cash back on all other purchases. Some of the categories in the past have included gas stations, grocery stores, restaurants, Amazon, and more.
Benefits: In addition to its rewards program, the Discover it Cash Back card also comes with a number of benefits, including a free FICO credit score, freeze it protection, and a 100% U.S. based customer service. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The Discover it Cash Back card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases on their account.
Sign-up offer: Discover it Cash Back cardholders can take advantage of a generous sign-up offer, where they can earn a matching cash back reward at the end of their first year as a cardholder. This means that if a cardholder earns $100 in cash back rewards in their first year, Discover will match that amount, giving the cardholder a total of $200 in cash back rewards.
Fees: The Discover it Cash Back card has no annual fee, no foreign transaction fees, and no balance transfer fees for transfers made during the first 60 days of account opening. However, cash advances and late payment fees may apply.
APR: The APR for the Discover it Cash Back card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and balance transfers is 14.49% to 25.49% variable. It's important to note that the APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Balance Transfers Card
Discover it Balance Transfer is a credit card that is designed to help cardholders transfer high-interest balances from other credit cards to this card and pay them off over time with a low introductory APR. The card offers a number of rewards, benefits, and features for cardholders.
Rewards: Unlike many balance transfer credit cards, the Discover it Balance Transfer card also offers a rewards program. Cardholders can earn unlimited 1% cash back on all purchases they make with the card. Additionally, cardholders can take advantage of rotating categories that offer 5% cash back, up to the quarterly maximum, on purchases made in select categories such as gas stations, grocery stores, restaurants, Amazon, and more.
Benefits: The Discover it Balance Transfer card comes with a number of benefits, including freeze it protection, a free FICO credit score, 100% U.S. based customer service, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Sign-up offer: The Discover it Balance Transfer card does not offer a traditional sign-up bonus, but cardholders can take advantage of its introductory 0% APR offer on balance transfers made within the first 60 days of account opening. The introductory 0% APR offer is available for 18 months on balance transfers, after which the standard APR applies.
Fees: The Discover it Balance Transfer card has no annual fee, no balance transfer fee for transfers made within the first 60 days of account opening, and no foreign transaction fees. However, cash advances and late payment fees may apply.
APR: The APR for the Discover it Balance Transfer card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and balance transfers is 14.49% to 25.49% variable. Cardholders who take advantage of the introductory 0% APR offer on balance transfers will enjoy an introductory 0% APR for 18 months, after which the standard APR will apply. The APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Student Cash Back Card
The Discover it Student Cash Back card is a credit card designed specifically for college students. This card offers a number of rewards, benefits, and features that are designed to help students build credit and make the most of their financial resources.
Rewards: The Discover it Student Cash Back card offers a rewards program that allows students to earn unlimited 1% cash back on all purchases they make with the card. Additionally, cardholders can take advantage of rotating categories that offer 5% cash back, up to the quarterly maximum, on purchases made in select categories such as gas stations, grocery stores, restaurants, Amazon, and more.
Benefits: The Discover it Student Cash Back card comes with a number of benefits, including freeze it protection, a free FICO credit score, 100% U.S. based customer service, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Fees: The Discover it Student Cash Back card has no annual fee and no foreign transaction fees. However, cash advances and late payment fees may apply.
APR: The APR for the Discover it Student Cash Back card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and cash advances is 14.49% to 25.49% variable. The APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Miles Card
The Discover it Miles card is a rewards credit card that offers cardholders a simple and flexible way to earn rewards and manage their finances. This card offers a number of rewards, benefits, and features that make it an attractive option for those who are looking for a credit card with a low fee structure and generous rewards program.
Rewards: The Discover it Miles card offers a rewards program that allows cardholders to earn unlimited 1.5 miles for every dollar they spend on purchases. Miles can be redeemed for any type of travel, from flights and hotels to rental cars and experiences, and there is no minimum redemption requirement. Additionally, cardholders can take advantage of Discover's Miles Boost feature, which allows them to earn even more miles on purchases made in select categories.
Benefits: The Discover it Miles card offers a number of benefits, including freeze it protection, a free FICO credit score, 100% U.S. based customer service, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Fees: The Discover it Miles card has no annual fee, no foreign transaction fees, and no fee for the first late payment. However, cash advances and subsequent late payment fees may apply.
APR: The APR for the Discover it Miles card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and cash advances is 14.49% to 25.49% variable. The APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Chrome Card
The Discover it Chrome card is a rewards credit card that offers cardholders a simple and flexible way to earn rewards and manage their finances. This card offers a number of rewards, benefits, and features that make it an attractive option for those who are looking for a credit card with a low fee structure and generous rewards program.
Rewards: The Discover it Chrome card offers a rewards program that allows cardholders to earn 2% cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter, and unlimited 1% cash back on all other purchases. Cash back rewards can be redeemed in any amount, and there is no minimum redemption requirement. Additionally, cardholders can take advantage of Discover's Cashback Match feature, which doubles the amount of cash back they've earned at the end of their first year.
Benefits: The Discover it Chrome card offers a number of benefits, including freeze it protection, a free FICO credit score, 100% U.S. based customer service, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Fees: The Discover it Chrome card has no annual fee, no foreign transaction fees, and no fee for the first late payment. However, cash advances and subsequent late payment fees may apply.
APR: The APR for the Discover it Chrome card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and cash advances is 14.49% to 25.49% variable. The APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Student Chrome Card
The Discover it Student Chrome card is a credit card specifically designed for students who are just starting out and looking for a simple and flexible way to manage their finances. This card offers a number of rewards, benefits, and features that make it an attractive option for students who are looking for a credit card with a low fee structure and generous rewards program.
Rewards: The Discover it Student Chrome card offers a rewards program that allows cardholders to earn 2% cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter, and unlimited 1% cash back on all other purchases. Cash back rewards can be redeemed in any amount, and there is no minimum redemption requirement. Additionally, cardholders can take advantage of Discover's Cashback Match feature, which doubles the amount of cash back they've earned at the end of their first year.
Benefits: The Discover it Student Chrome card offers a number of benefits, including freeze it protection, a free FICO credit score, 100% U.S. based customer service, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Fees: The Discover it Student Chrome card has no annual fee, no foreign transaction fees, and no fee for the first late payment. However, cash advances and subsequent late payment fees may apply.
APR: The APR for the Discover it Student Chrome card varies based on the Prime Rate, but as of 2021, the standard APR for purchases and cash advances is 14.49% to 25.49% variable. The APR for the card can change based on the Prime Rate and the creditworthiness of the cardholder.
Discover it Secured Credit Card
The Discover it Secured Credit Card is a credit card designed for people who are looking to build or rebuild their credit. This card is unique in that it requires a security deposit, which serves as collateral for the credit line. The deposit acts as a guarantee to the lender that the cardholder will pay back any debt they incur on the card.
Rewards: Unlike some secured credit cards, the Discover it Secured Credit Card offers a rewards program. Cardholders can earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter, and 1% cash back on all other purchases. Additionally, Discover's Cashback Match feature doubles the total cash back earned at the end of the first year.
Benefits: The Discover it Secured Credit Card offers a number of benefits, including 100% U.S. based customer service, freeze it protection, and zero liability protection. With freeze it protection, cardholders can turn off new purchases, cash advances, and balance transfers on their account with the click of a button. The card also offers zero liability protection, which means cardholders are not responsible for unauthorized purchases made on their account.
Fees: The Discover it Secured Credit Card has an annual fee of $0. There is no fee for the first late payment, but subsequent late payments may result in a fee. There are no foreign transaction fees, and cash advances are subject to a fee.
APR: The APR for the Discover it Secured Credit Card is 24.49% variable. The APR may vary based on the Prime Rate and the creditworthiness of the cardholder.
Pros and cons of Discover credit Cards
Pros
Generous rewards program. Discover credit cards offer a generous rewards program that allows cardholders to earn cash back on their purchases. Many Discover cards offer cash back on rotating categories, such as restaurants, gas stations, or travel, and some cards also offer a sign-up bonus.
Consumer protection features. Discover credit cards come with a number of consumer protection features, including 100% U.S.-based customer service, freeze it protection, and zero liability protection. These features can help cardholders feel secure and protected when using their card.
No annual fee. Many Discover credit cards come with no annual fee, making them a cost-effective option for those who want to earn rewards on their purchases.
Flexible payment options. Discover offers a range of flexible payment options, including online bill pay, mobile app, and text alerts, making it easy for cardholders to manage their accounts and make payments.
Cons
Limited acceptance. Discover is not a widely accepted credit card issuer, as opposed to Visa or Mastercard, so cardholders may have trouble using their card at certain merchants or locations.
High interest rates. Some Discover credit cards have high interest rates, which can be a drawback for those who carry a balance. Cardholders who carry a balance should be aware of the APR and be prepared to pay it if they are unable to pay their balance in full each month.
Foreign transaction fees. Some Discover credit cards charge foreign transaction fees, which can be a drawback for those who travel frequently or make everyday purchases in foreign currencies.
No balance transfer offers. Unlike other credit card issuers, Discover does not offer balance transfer options, so cardholders who want to transfer their existing balances from other cards may need to look elsewhere.
How the Discover Cashback Match Works
The Discover cashback match program is a unique feature offered by Discover to its credit card customers. The program promises to match all the cash back earned by a customer in their first year as a cardholder. This means that if you earn $100 in cash back rewards in your first year, Discover will match that amount and give you an additional $100 in cash back.
To take advantage of the cashback match program, you'll need to apply for a Discover credit card. There are several different options to choose from, including cash back, student, balance transfer, and travel rewards cards.
Once you've been approved for a Discover card, you can start earning cash back on your purchases. Depending on the card you choose, you may earn cash back on rotating categories, such as restaurants, gas stations, or travel, or on all purchases made with your card.
At the end of your first year as a cardholder, Discover will match all the cash back you earned during that time. The cashback match will be automatically credited to your account and can be used as a statement credit or redeemed for cash.
To be eligible for the cashback match program, you must be a new Discover cardholder and your account must be in good standing. Additionally, there may be certain restrictions or limitations on the cashback match program, so it's important to review the terms and conditions of your card before applying.
How to Get a Discover Credit Card
Getting a Discover credit card is a simple process that can be done online or over the phone. Here's how you can get a Discover credit card:
Research. Start by researching the different types of Discover credit cards available, including cash back, student, balance transfer, and travel rewards cards. Compare the rewards, benefits, fees, and APR of each card to find the one that best fits your needs.
Apply. Once you've chosen a Discover credit card, you can apply for it online or over the phone. The application process usually takes just a few minutes and will require you to provide some personal and financial information, such as your name, address, income, and social security number. To get the best offers, you must have a good credit history.
Review and submit. After you've filled out the application, review the information you provided to make sure everything is accurate and complete. Once you're satisfied with your application, submit it to Discover.
Wait for approval. Discover will review your application and let you know if you've been approved. This process usually takes a few minutes to a few days. Discover will pull your credit report from three major credit bureaus.
Activate and use your card. If you're approved, you'll receive your Discover credit card in the mail. Once you've received your card, you'll need to activate it and start using it to make purchases and earn rewards.
The approval for a Discover credit card will depend on your credit history and financial situation. If you have a poor credit score or limited credit history, you may not be approved for the card you want or may only be approved for a secured credit card. A minimum credit score required for credit card accounts is usually 680 and higher. However, if you apply for student credit cards, you may have lower score or non-established credit history. You credit limit will depend on your credit worthiness for unsecured cards, and on your security deposit for secured cards.
FAQ
Is Discover card a real credit card?
Yes, Discover is a real credit card company that offers a range of credit card products. Discover is one of the largest credit card issuers in the United States and has been in business since 1986. Its credit cards are accepted by millions of merchants and offer a variety of rewards and benefits, including cash back, miles, student cash back, and balance transfer options.
What credit score is needed for Discover it card?
The minimum credit score required for approval of a Discover credit card can vary depending on the specific card and the applicant's financial situation. However, a good credit score, typically in the range of 660 to 720 or higher, will increase the chances of being approved for a Discover card. It is always best to check with Discover directly to find out what credit score is required for a specific card and to get an accurate assessment of your chances of approval.
Why is it so hard to get a Discover card?
Getting a Discover card can be difficult for some people, but it is not inherently harder to get a Discover card compared to other credit cards. Approval for a Discover card, like any credit card, depends on various factors, including the applicant's credit score, credit history, income, debt-to-income ratio, and other financial information. If an applicant has a low credit score or negative credit history, it may be difficult to get approved for a Discover card.
Is Discover card worth having?
Some people may find that a Discover card provides valuable rewards and benefits, such as cash back, miles, or other incentives, that align with their spending habits. Additionally, Discover may offer competitive interest rates, flexible payment options, and strong security features, which can make it a valuable credit card for some consumers. However, a Discover card may not be good fit for spending habits or credit profile, and may prefer a different type of credit card.
