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Discover Credit Cards

Review and compare the best Discover credit cards for your credit score. See the average and lowest credit scores approved for each credit card (a “0” means we don’t yet have enough credit score approval data for that card.)

Discover it®

Great For: Cash back rewards in revolving categories like dining, travel or gas.

Credit Needed: Excellent

Average Approved Score: 679*

Lowest Approved Score: 622*

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 14 Months 0%* 14 Months 10.99% – 22.99%* Variable $0

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 707*

Lowest Approved Score: 636*

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms,balance transfer terms and other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 6 Months 0%* 18 Months 10.99% – 22.99%* Variable $0

Discover it® for Students

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 641*

Lowest Approved Score: 576*

  • 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.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 6 Months 10.99%* 6 Months 12.99% – 21.99%* Variable $0

Discover it® for Students with $20 Cash Back

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 638*

Lowest Approved Score: 595*

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 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.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A 10.99%* 6 Months 12.99% – 21.99%* Variable $0

Discover it® chrome

Great For: Cash back rewards in categories like dining and gas.

Credit Needed: Excellent

Average Approved Score: 681*

Lowest Approved Score: 626*

  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 14 Months 0%* 14 Months 10.99% – 22.99%* Variable $0

Discover it® chrome for Students

Great For: Cash back rewards in categories like dining and gas.

Credit Needed: Fair

Average Approved Score: 631*

Lowest Approved Score: 523*

  • 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.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 6 Months 10.99%* 6 Months 12.99% – 21.99%* Variable $0

Credit Needed: Fair

Average Approved Score: 622*

Lowest Approved Score: N/A*

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 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.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A 10.99%* 6 Months 12.99% – 21.99%* Variable $0

Discover it® Miles Offer

Great For: Earning miles on travel

Credit Needed: Excellent

Average Approved Score: 735*

Lowest Approved Score: 643*

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR on purchases for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%.
  • Exclusive Double Miles Offer: At the end of your first year - when other Miles cards charge an annual fee - Discover doubles all the Miles you've earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees - up to $30 a year - with an automatic statement credit.*
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number - day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months 10.99%* 12 Months 10.99% – 22.99%* Variable $0

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.