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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® for Students

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 637*

Lowest Approved Score: 554*

  • 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% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 100% U.S.- based customer service - day or night.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *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 Cashback Bonus

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 636*

Lowest Approved Score: 554*

  • 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% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.- based customer service - day or night
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • *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 for Students

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

Credit Needed: Fair

Average Approved Score: 633*

Lowest Approved Score: 536*

  • 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.
  • 0% intro APR on purchases for 6 months - then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late.*
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 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%* 6 Months 10.99%* 6 Months 12.99% – 21.99%* Variable $0

Credit Needed: Fair

Average Approved Score: 641*

Lowest Approved Score: 569*

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 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.
  • 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.*
  • Free FICO® Credit Score online and on your monthly statements so you can track your score's progress*
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 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
N/A N/A 10.99%* 6 Months 12.99% – 21.99%* 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.