Credit Cards

Discover it®

Estimated Rewards

2 Year NetRewards

$612.00

Ongoing NetRewards

$306.00

+ Show Reward Breakdown

Information

Network

Discover

Issuer

Discover

Credit Rating Required

Good

Rewards

Everyday Rewards

1.0% Cash Back

Special Rewards

Signup Bonus

No Signup Bonus

Features and Benefits

You EARN cash back

Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

We MATCH it all your first year

Only Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.

Freeze it® on/off switch for your account.

Now if you misplace your credit card, you can Freeze it to prevent new purchases, cash advances or balance transfers on your account. Freeze or unfreeze in seconds with our mobile app or website.

View your FICO® Credit Score for free.

Discover was the first major credit card to provide your FICO® Credit Score on monthly statements, on mobile and online for free. Even track recent scores in one easy-to-read chart online and on mobile.

Looking out for you.

We monitor every purchase, every single day and let you know of any activity that looks suspicious with an email, text or phone call. And of course, we never hold you responsible for unauthorized purchases on your Discover card.

100% U.S.-based customer Service.

Reach our live customer service any time you call. We won’t waste your time trying to sell you other products when you call. Plus get powerful, fast mobile and online service. We overnight ship replacement cards for free to any U.S. street address at your request.

All with no annual fee.

0% Intro APR for 14 months on purchases and balance transfers.

Then 13.74% to 23.74% Standard Variable Purchase APR applies.

3% fee for each balance transfer.

Fees and Rates

Annual Fee

$0.00

Foreign Transaction Fee

0%

Annual Percentage Rate

0%

Minimize Time.
Maximize Rewards.

Earn more rewards from your everyday purchases the easy way.

Try the app today to 3x your rewards tomorrow!

Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: