Discover Credit Cards

      Discover why Discover is the way to go.

Each personal Discover card offers great benefits, such as 0% intro APR, no annual fee, rewards for every purchase, $0 fraud liability guarantee, 24/7 customer service, online account access and online bill pay! Discover also has business cards for business owners.

Scroll below for our recommended Discover Cards! 

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months
Average Savings
$411.40
Over 1 year Apply Now View Savings Info

Discover it® Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
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4.9
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $54.39 $45.05 $199.44
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $130.10 $108.12 $478.22
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $411.40 $270.89 $239.57 $921.86
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Average Savings
$345.46
Over 1 year Apply Now View Savings Info
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $72.53 $45.05 $217.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $174.06 $108.12 $108.12 $390.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $345.46 $267.05 $239.57 $852.08
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® for Students

Intro APR
0%
6 months applied to Purchases
Regular APR
12.99%-21.99% Variable*
Balance Transfer
See Terms
Ongoing
Average Savings
$268.51
Over 1 year Apply Now View Savings Info

Discover it® for Students Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
Hide More Info
Learn More
4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $35.05 $35.05 $35.05 $105.15
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $162.06 $84.12 $84.12 $330.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $268.51 $205.57 $205.57 $679.65
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® for Students with $20 Cashback Bonus

Intro APR
N/A
Regular APR
12.99%-21.99% Variable*
Balance Transfer
See Terms
Ongoing
Average Savings
$210.57
Over 1 year Apply Now View Savings Info
Show More Info
Learn More
4.7
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $35.05 $35.05 $35.05 $105.15
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $84.12 $84.12 $84.12 $252.36
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back on up to $1,500 in purchases that rotate each quarter. Creditnet assumes 35% of purchases made with this card are on these bonus categories, with the remaining 65% of purchases earning the standard 1% cash back.
One Time Bonus ? $20.00 $0.00 $0.00 $20.00
This card rewards students with a one-time $20 cashback bonus after their first purchase.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $210.57 $205.57 $205.57 $621.71
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover Credit Cards - Discover their Cashback Bonus® Program

Why do we recommend Discover credit cards? First and foremost, it’s their 5% Cashback Bonus® enrollment programs. Second, you can shop online through ShopDiscover® and receive another 20% in cash back discounts, making Discover® one of our favorite pure retail credit card companies.

Here’s the full list of perks to applying for a Discover® card today...

  • 5% Cashback®. One of our favorite credit cards is the Discover it® Card. We already touched on this, but let’s get you the specifics; 5 percent bonus cash back are specific to rotating categories that change each quarter, and is limited to 5 percent cash back on up to $1,500 in purchases each quarter. While you’re required to enroll each month, sign-up is free and easy each time. Rotating categories can include groceries, gas and other everyday purchases. What we’re saying is Discover® makes it pretty easy to keep track of the best possible bonus programs available.
  • ShopDiscover®. Discover® partners with online retailers to get up to a 20% cashback bonus® when they shop online through their website. Before making a purchase with your Discover® card, check online to see if you can receive bonus cash back simply by using your credit card.
  • Travel Rewards. Discover® travel credit cards are great for both casual and hardcore travelers alike, though a good credit history will get you their best rewards. 
  • Bonus Intro Periods.  Discover® cards offer competitive intro periods as well, often including 0% interest on ALL purchases from anywhere for the first 6 to 18 months depending on the credit card.
  • Discover for Students. Finally, college students and credit newbies with limited credit can build their credit with some great Discover credit cards. Some student credit cards Discover include rewards, while others offer the retail discounts commonly found on other Discover credit cards.

Do your research using the compare table above to find the Discover credit card that most fits your credit history and situation, whether you’re in search of a rewards card that will keep your company running smoothly, or a student looking to build credit as you head off for college.