Discover often flies under the radar as a credit card issuer.
It might not have the spotlight like Amex, Chase, or Capital One, but Discover cards still pack a lot of punch when it comes to benefits.
They offer some of the highest cashback rates on various spending categories, and most of them come with no annual fees.
Here are some of our favorite Discover credit cards below.
Discover it® Cash Back
Best for 5% Cash Back on Rotating Categories
- 5% Cash Back in Rotating Quarterly Categories up to $1,500 Each Quarter When You Activate Offer
- 1% Cash Back On All Other Eligible Purchases
- Cash Back Match for the First Year
- No Annual Fee
The Discover it® Cash Back (review) features rotating 5% quarterly bonus categories that can boost your rewards, though it only earns a basic 1% back on all non-bonus purchases. While the lackluster base rate is a drawback, strategic spenders can maximize value through the quarterly categories and first-year cash back match.
Welcome Bonus: New cardholders receive Discover’s signature Cashback Match offer, which automatically matches all the cash back you earn at the end of your first year with no minimum spending requirements or maximum reward limits.
Earning Rewards: 5% cash back up to $1,500 in spending in quarterly rotating categories; 1% cash back on all other eligible spending.
Card Benefits: Access free FICO score tracking and card freezing through Discover’s app, enjoy U.S.-based customer service, pay no foreign transaction fees, and zero liability protection for unauthorized purchases.
Discover it® Miles
Best for Travel
- 1.5 Miles Per Dollar on Every Purchase
- Discover Will Automatically Match All the Miles You Earn at the End of the First Year
- No Foreign Transaction Fees
- No Annual Fee
The Discover It Miles credit card is a travel rewards credit card that offers miles instead of cashback rewards.
The card offers 1.5 miles per dollar spent on all purchases, and the miles can be redeemed for statement credits towards travel purchases, or as cashback.
One unique feature of the Discover It Miles credit card is the Miles Match program. Discover will match all the miles earned by the cardholder at the end of their first year, effectively doubling the rewards earned during the first year of using the card. This can be a great way to maximize rewards in the first year of using the card.
Discover it® chrome
Best for Restaurants & Gas Stations
- 2% Cash Back at Gas Stations & Restaurants on up to $1,000 in Combined Purchases Each Quarter
- 1% Cash Back on All Other Purchases
- Cash Back Match Your First Year
- No Annual Fee
The Discover it® Chrome credit card is a cashback rewards credit card that is designed for those who frequently spend money on gas and dining.
The card offers 2% cashback on up to $1,000 in combined purchases at gas stations and restaurants each quarter, and 1% cashback on all other purchases made with the card.
Additionally, the cashback rewards earned with the Discover it Chrome credit card can be redeemed for statement credits, direct deposits, or gift cards.
One unique feature of the Discover it Chrome credit card is the Cashback Match program. Discover will match all the cashback earned by the cardholder at the end of their first year, with no minimum spending or maximum rewards. This can be a great way to maximize rewards in the first year of using the card.
Discover it® Student Cash Back
Best for Students
- 5% Cash Back in Quarterly Categories Up to $1,500 in Purchases Each Quarter When You Activate Offer
- 1% Cash Back On All Other Purchases
- Discover Will Automatically Match All the Cash Back You Have Earned at the End of the First Year
- No Annual Fee
The Discover it Student credit card is a credit card designed specifically for students who are looking to build their credit history. The card offers cashback rewards on purchases made with the card, and the rewards can be redeemed for statement credits, direct deposits, or gift cards. Additionally, the card offers a free FICO credit score check, which can be a useful tool for students who are just starting to build their credit.
One unique feature of the Discover it Student credit card is the Good Grade Reward program. Discover will reward students with a $20 statement credit each school year that their GPA is 3.0 or higher, for up to five years. This can be a great way to incentivize students to maintain good grades while also building their credit history.
