If you’re in the market for a reliable credit card with strong rewards and user-friendly features, Discover credit cards deserve your attention.
Discover’s line of credit cards includes options tailored for students, everyday purchases, and even balance transfers.
In this review, we’ll dive into the main features of Discover credit cards, including cashback rewards, student card perks, interest rates, and how to apply.
What is Discover?
Discover is a U.S.-based financial services company best known for its credit card products.
It was launched in 1985 by Sears and is now operated by Discover Financial Services, headquartered in Riverwoods, Illinois.
Unlike Visa or Mastercard, which are payment networks only, Discover issues its own credit cards and operates its own payment network.
It’s accepted at 99% of U.S. locations that take credit cards (according to the Nilson Report).
Key Features of Discover Credit Cards
Known for its generous cashback offers, $0 annual fees, and robust tools for both new and seasoned cardholders.
Cashback Rewards
Discover is best known for offering 5% cashback on rotating categories and 1% unlimited cashback on all other purchases.
A Cashback Match for new cardholders—Discover will automatically match all the cashback you’ve earned at the end of your first year.
Categories for 5% cashback typically include things like grocery stores, gas stations, restaurants, PayPal, and Amazon.
Student Credit Cards
The Discover it® Student Cash Back and Discover it® Student Chrome cards are designed for young adults building credit.
Benefits include a $0 annual fee, Good Grade Reward for up to 5 years with a GPA of 3.0 or higher, and free FICO® Credit Score tracking.
The ashback match at the end of the first year is a good incentive.
No Annual Fee & No Foreign Transaction Fees
All Discover credit cards come with no annual fee, and most don’t charge foreign transaction fees.
This is a major plus for international travelers or students studying abroad.
Popular Discover Credit Card Options
Whether you’re new to credit or simply want a better deal, there may be a Discover card that fits your needs.
Discover it® Cash Back
- 5% cashback on rotating categories (with activation).
- 1% unlimited cashback on all other purchases.
- Great for everyday use and maximizing rewards.
Discover it® Balance Transfer
- 0% intro APR on balance transfers for 18 months (then a variable APR applies).
- No annual fee.
- Ideal for consolidating high-interest debt.
Discover it® Student Cash Back
- 5% cashback categories, plus the Good Grade Reward.
- No credit history is required.
- Perfect for college students starting to build credit.
Discover it® Chrome
- 2% cashback at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), 1% on everything else.
- Simple and steady rewards with fewer category activations.
Interest Rates and APR
Interest rates for Discover credit cards vary depending on the product and your creditworthiness.
Here’s a general idea of the Discover credit card’s APR:
| Card Type | Intro APR | Ongoing APR (Variable) |
| Discover it® Cash Back | 0% for 15 months | 17.24% – 28.24% |
| Discover it® Balance Transfer | 0% for 18 months (balance transfers) | 17.24% – 28.24% |
| Student Cards | 0% for 6 months (purchases) | 18.24% – 27.24% |
Late payment fees may apply (up to $41), but Discover does waive the first late fee as a courtesy.
How to Apply for a Discover Credit Card
The Discover credit card application process is simple and available online. Here’s a quick guide:
- Visit the Discover website: Go to www.discover.com/credit-cards and click on “Apply Now.”
- Select your card: Choose the one that fits your needs—Cash Back, Chrome, Student, etc.
- Fill out your details: Include personal info like your name, address, Social Security number, income, and employment status.
- Submit the application: You may get an instant decision. Otherwise, check the Discover credit card application status online or by calling customer service.
Once approved, you’ll receive your card by mail within 5-7 business days.
Tips for Getting Approved
If you’re unsure, look for pre-approval on Discover’s site. It uses a soft inquiry that won’t impact your credit.
Most Discover cards require good to excellent credit. Student cards are more lenient. Be honest about your income and debts.
Multiple applications can hurt your credit score.
Account Management Tools
Managing your account is easy through the Discover credit cards login portal.
Features include: Viewing transactions and statements, paying your bill, redeeming cashback rewards, and setting alerts and freezes.
You can also manage your card via the Discover mobile app, available on Android and iOS.
Discover Customer Service
If you have questions or need help, contact Discover:
- Discover credit cards phone number (24/7): 1-800-DISCOVER (1-800-347-2683)
- Mailing Address: Discover Card, P.O. Box 30943, Salt Lake City, UT 84130
- Their customer support consistently receives high ratings for U.S.-based service representatives and fast responses.
Frequently Asked Questions
From cash-back programs and student-friendly cards to low-interest balance transfers, there are many things people want to know.
- Q: How do I check my Discover credit card application status?
A: Visit discover.com/application-status and enter your Social Security number and ZIP code. - Q: Can I apply with no credit history?
A: Yes, especially if you’re a student. Discover’s student cards are designed for first-time credit users. - Q: Does Discover have business credit cards?
A: As of now, Discover focuses on personal credit cards. It does not offer small business credit cards. - Q: What happens if I miss a payment?
A: Discover waives your first late fee and may increase your APR afterward. Setting up autopay helps you avoid this.
Conclusion
Discover continues to offer some of the best value credit cards on the market. Their no-fee structure and transparent rewards make them a go-to choice.
Thinking of applying? Head to Discover’s official site and see which card is right for you.
If you’re looking for an all-around solid credit card with rewards and reliability, Discover deserves a spot in your wallet.
Disclaimer: Credit card terms, rewards, and interest rates may change. Always refer to Discover’s official website for the most up-to-date information before applying. This article is for informational purposes and does not constitute financial advice.