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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® - Double cash back your first year

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 708*

Lowest Approved Score: 643*

  • New! Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 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.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 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 & 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® chrome - Double Cash Back your first year

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

Credit Needed: Excellent

Average Approved Score: 682*

Lowest Approved Score: 642*

  • New! Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 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.
  • 0% intro APR on purchases & balance transfers for 12 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 & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 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 & other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months 0%* 12 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: 629*

Lowest Approved Score: 508*

  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no signups needed.* 1% cash back on all your other purchases.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service, text alert payment reminders & a mobile app.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you’ve earned at the end of your first year, automatically - only for new cardmembers.*
  • *See rates, rewards, free FICO® Credit Score terms & 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® - Double Cash Back your first year

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

Credit Needed: Excellent

Average Approved Score: 684*

Lowest Approved Score: 641*

  • New! Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 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 & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 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 & other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months 0%* 12 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: 640*

Lowest Approved Score: 526*

  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service, text alert payment reminders & a mobile app.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you’ve earned at the end of your first year, automatically - only for new cardmembers.*
  • *See rates, rewards, free FICO® Credit Score terms & 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® Miles - Double Miles your first year

Great For: Earning miles on travel

Credit Needed: Excellent

Average Approved Score: 735*

Lowest Approved Score: 628*

  • 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.*
  • 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%.
  • 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.*
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service
  • 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.