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Discover credit cards are some of the least talked-about credit card reviews. One reason why is that Discover doesn’t offer premium credit cards or co-brand airline and hotel credit cards. However, the best Discover credit cards earn up to 5% back on purchases. And you never pay an annual fee.

Rediscover the great outdoors in Park City
Rediscover the great outdoors in Park City with your Discover Card.

You can earn cash or travel rewards with Discover. Whether you have excellent credit or bad credit, Discover has an option for you.

Discover it Cash Back Card – Best for Cash Rewards

The Discover it® Cash Back is the most popular of the Discover credit cards. Its popularity is mostly because it earns up to 5% back on purchases. Like the Chase Freedom Flex℠, you get 5% back on the first $1,500 in quarterly bonus spending. All non-bonus purchases earn an unlimited 1% back.

Discover’s into offer lets cardholders earn unlimited cash back match. Discover will automatically match all the cash back you’ve earned at the end of your first year. There’s no minimum spending or maximum rewards either. Whether you earn $50 or $500 in cash rewards, Discover matches the entire amount the first year.

Like most cash rewards credit cards, your cash rewards are redeemable in any amount.

Discover it Miles – Best for Travel Rewards

The Discover it® Miles is Discover’s only credit card for travel rewards. You can earn unlimited 1.5x miles for every $1 spent. Your rewards miles are redeemable for travel statement credits, booking upcoming travel, or cash rewards.

Discover matches every mile you earn for the first 12 months.

You won’t pay an annual fee or foreign transaction fee which makes this a possibility for international travel. Keep in mind, that Discover’s international merchants can be hit-or-miss. Because of this, you may also want to bring a Visa or Mastercard which has near-universal acceptance.

Consider this: You can earn unlimited 2x miles (instead of 1.5x miles) on every purchase with the Capital One® Venture® Rewards Credit Card.

Discover it chrome – Best for Gas and Restaurants

Earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter) with the Discover it® chrome. All remaining purchases earn 1% back. Redeem your cash back for any amount, any time. Cash rewards never expire.

Discover also matches every reward you earn for the first 12 months. This card doesn’t have an annual fee but you will likely need a credit score of at least 670 to qualify.

Discover it Secured – Best for Building Credit

The Discover it® Secured is one of the best credit cards to build a credit score. Two reasons why are because this card has no annual fee and earns cash back on every purchase. This is a good option if you have no credit history or a credit score in the 500s.

Get 2% back on the first $1,000 spent each quarter at gas stations and restaurants. Your other purchases earn an unlimited 1% back. Discover even matches your cash rewards for the first 12 months.

Like other secured cards, you will pay a refundable security deposit of at least $200. Your monthly payments report to all three credit bureaus to build your credit history. Discover waives the late payment fee on your first missed payment.

After the first 8 months, Discover reviews your credit score to see if you can upgrade to an unsecured credit card. That means you might be able to get one of the other cards on this list. You won’t have to front a security deposit and you can have a higher credit score.

Discover it Student Cash Back – Best Student Credit Card

The Discover it® Student Cash Back is the student version of the Discover it Cash Back. It has the same 5% quarterly bonus categories and Discover matches your cash rewards for the first 12 months.

Having a minimum 3.0-grade point average for the school year means you get an annual $20 statement credit (up to 5 years).

Your rewards points are redeemable for cash rewards or Amazon.com shopping credit. With either option, each point is worth 1 cent each. This is good as other credit cards devalue points when using them for store credit.

Alternate card: The Discover it® Student chrome earns 2% back at gas stations and grocery stores (on the first $1,000 quarterly) and 1% back on everything else. Either card can be one of the best travel credit cards for students.

Discover it Business – Best for Business Purchases

The information for the Discover it® Business Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Discover offers one business credit card. The Discover it® Business Card earns unlimited 1.5% back on every purchase. Like the personal credit cards, Discover matches your purchase rewards for the first 12 months. Rewards points are redeemable for cash in any amount.

There is no annual fee and employee cards come at no extra cost.

Want a business card with travel rewards? Consider one of these best business credit cards with no annual fee.

Discover Credit Card Additional Benefits

All of the Discover credit cards offer the same extra card benefits listed below:

  • Late payment fee waived on the first missed payment
  • FICO credit score monitoring
  • Social Security number alerts
  • Unlimited cashback match for the first 12 months
  • No annual fee
  • Free overnight shipping card replacement to any U.S. street address
  • 100% U.S. based customer service

While you won’t get exciting perks like dining vouchers or airport lounge access, these fringe benefits can save you money while you build credit. The free monitoring tools also provide extra peace of mind.

Summary on the Best Discover Credit Cards

The best Discover credit cards are a good option if you want to earn competitive cash rewards. If you spend at places that accept Discover, you can earn a larger-than-usual signup bonus thanks to the unlimited 12-month match, some of the best credit card offers. Not having to pay an annual fee or first missed payment fee also provides financial relief.

Josh Patoka
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