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Free FICO® Credit Score

online and on monthly statements.

Free FICO® Credit Score online and on monthly statements.

Apply Now No Annual Fee

Generous Cash Rewards

Rewards that add up

Rewards that add up

5% Cash back

5% cash back

5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy *.
5% Cashback Calendar

1% Cash back

1% cash back

Get nonstop cash back every time you use your card. Earn 1% cash back on all other purchases.

Redeem any amount, any time

Redeem your cash back any time2 as a statement credit, a deposit to your bank account or pay at Amazon.com3

Learn More About Rewards

Apply Now No Annual Fee

Security Features

Looking out for you.

Looking out for you.

Free FICO® Credit Score on your monthly statement, online & mobile5!

Your FICO® Credit Score can be reviewed by lenders when they're making a credit decision about you. So we think you should know it, too. Seeing your score for free will help you stay on top of your credit and avoid surprises.

You're never responsible for unauthorized purchases on your Discover card.

We monitor every purchase, every day and alert you of unusual activity by e-mail, phone or text. If you need a new card, we can even overnight ship4 it for free at your request. Plus, our U.S.-based Fraud Specialists are here to help any time.

Service on-call, online and on-the-go.

You can reach a real person here in the U.S. day or night with your dedicated service line. Plus, our powerful mobile and online tools make managing your account fast and easy. Make payments. View your FICO® Credit Score. Get alerts and reminders. All with a tap of your finger.

Apply Now No Annual Fee

Compare It to the Rest

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< Blue Cash
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5% cash back in categories that change each quarter offered to all cardmembers up to the quarterly maximum when you sign up Discover Orange Check Gray X Gray Check Gray X Gray X Gray X
1% cash back or more on all other credit card purchases Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Redeem your cash back for cash, any amount, any time2 Discover Orange Check Gray X Gray X Gray Check Gray X Gray X
Never lose your cash back Discover Orange Check Gray X Gray X Gray X Gray X Gray X
Use your cash back instantly at Amazon.com checkout3 Discover Orange Check Gray X Gray Check Gray X Gray X Gray X
Value Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card
Bank
Americard
Cash
Rewards™
No Annual Fee Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Paying late won’t raise your APR Discover Orange Check Gray X Gray X Gray X Gray X Gray X
No late fee for your first late payment Discover Orange Check Gray X Gray X Gray X Gray Check Gray X
No overlimit fee Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
No foreign transaction fee Discover Orange Check Gray X Gray X Gray Check Gray X Gray X
Service Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card
Bank
Americard
Cash
Rewards™
Free overnight card replacement to any U.S. street address at your request4
Discover Orange Check Gray Check Gray Check Gray X Gray X Gray X
Free FICO® Credit Score on monthly statements, online5 and in our mobile app
Discover Orange Check Gray X Gray X Gray X Gray X Gray X
100% U.S.-based customer service available day or night Discover Orange Check Gray X Gray X Gray X Gray X Gray X
$0 Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your credit card Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Accepted where you shop at 9.2 million merchants6 nationwide Discover Orange Check Gray X Gray Check Gray Check Gray Check Gray Check
Pay your bill up to midnight (ET) the day it's due by phone or online Discover Orange Check Gray X Gray X Gray X Gray Check Gray X

Comparison conducted by an independent research firm and based on data compiled on February 2015, from company websites, customer service agents, and consumer credit offers.

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Apply Now No Annual Fee

“Highest in Customer Satisfaction with Credit Card Companies.”
Tied in 2014.

“Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014.”

We couldn't have done this without our cardmembers. So we invite you to join them and see what credit card
customer satisfaction really feels like.

We couldn't have done this without our cardmembers. So we invite you to join them and see what credit card customer satisfaction really feels like.

Pricing

All with no annual fee.

N/A% Intro APR* for N/A months on purchases and balance transfers

Then N/A% – N/A% Standard Variable Purchase APR applies

N/A fee for each balance transfer

*See rates, rewards and other info.

Apply Now No Annual Fee

Cardmember Reviews

Apply Now No Annual Fee
  1. 1. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/it-card/reviews/
  2. 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  3. 3. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
  4. 4. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  5. 5. FICO Credit Score Terms: Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to the Primary cardmembers only that have an available score and is provided on the statement for individual accounts and on Discover.com for individual and joint accounts. See Discover.com/FICO about the availability of your score. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
  6. 6. Accepted at 9.2 Million Merchants: According to the Feb 2014 issue of the Nilson Report.
  7. †Discover received the highest numerical score among credit card issuers in a tie in the proprietary J.D. Power 2014 Credit Card Satisfaction StudySM. Study based on responses from 19,913 consumers measuring 11 card issuers and measures opinions of consumers about the issuer of their primary credit card. Proprietary study results are based on experiences and perceptions of consumers surveyed in September 2013-May 2014. Your experiences may vary. Visit jdpower.com.
  8. * Intro purchase APR is N/A% for N/A months from the date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is N/A% for N/A months from date of first transfer, for transfers under this offer that post to your account by MM/DD/YY; then the standard purchase APR applies. Standard purchase APR: from N/A% variable to N/A% variable depending on your creditworthiness. Cash APR: N/A% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: $.50.Cash advance fee: 5%, min. $10. Balance transfer fee: N/A. Annual Fee: $N/A. Rates as of MM/DD/YY. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  9. * Sign up to earn 5% Cashback Bonus on up to $1,500 in combined restaurant and movie purchases made from 4/1/15 (or the date on which you sign up, whichever is later) through 6/30/15. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Movie purchases are those made at merchants classified as movie theaters, video rental stores, and online movie ticket services. Purchases made using Near Field Communication (NFC), virtual wallets or similar technology may not be eligible. Purchases made at warehouse clubs, wholesale distributors and discount stores are not eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

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