Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.
Discover's lineup of credit cards offers fantastic rewards and features. Our analyst broke out the best Discover credit cards and categorized them to help you choose the right one.
Read on for a detailed look at the benefits and features of each credit card. You can also skip to our card comparison tool at the bottom of the article to see which Discover card works best for your spending habits.
Best Discover Card for Cash Back
The Discover it® Cash Back has one of the highest rewards potentials of any Discover credit card. It offers 5% cash back in rotating categories up to the quarterly maximum each time you activate, for up to $1,500 in purchases each quarter. For 2020, the categories include grocery stores, Walgreens and CVS (January-March), gas stations, Uber, Lyft and wholesale clubs (April-June), restaurants and PayPal (July-September), Amazon.com, Target and Walmart.com (October-December). If you take full advantage of the 5% rotating categories, you'll earn up to $75 in cash-back rewards each quarter. All other spending with the card gets you 1% cash back.
What makes the card even better is that it doesn't charge an annual fee or foreign transaction fees. This means you'll be able to earn cash-back rewards even if you swipe your card while traveling abroad. Additionally, for new cardholders, Discover will match all the cash back you earn during your first year. For example, if you earn $300 in cash-back rewards, Discover will give you an additional $300.
Best Discover Card for Travel
Best Discover Card for Students
Students have two options if going with Discover, and the Discover it® Student Cash Back is the best choice. It shares a lot of the same features as the Discover it® Cash Back, namely 5% cash back on categories that rotate each quarter, up to a maximum of $1,500 in purchases each quarter (activation required). For 2020, the categories include grocery stores, Walgreens and CVS (January-March), gas stations, Uber, Lyft and wholesale clubs (April-June), restaurants and PayPal (July-September), Amazon.com, Target and Walmart.com (October-December).
Not only is the Discover it® Student Cash Back the best Discover card for students, it's also one of the best student credit cards in general. That's because the rewards don't hold back. Most student credit cards will give cardholders some truncated version of a rewards program that is much worse than what non-student cards offer. The Discover it® Student Cash Back is, in many ways, just as good as its non-student counterpart.
Best Discover Card for Dealing with Debt
Discover Credit Cards and What They Offer
We want to give consumers the opportunity to quickly compare all the Discover credit cards and their rewards at a glance—including cards we didn't directly discuss above. The table below gives you everything you need to know.
|Discover card||Best feature|
|Discover it® Student Cash Back||$20 statement credit each school year that your GPA is 3.0 or higher for up to five years|
|Discover it® chrome||2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter|
|Discover it® Miles||Unlimited 1.5 Miles per dollar on all purchases|
|Discover it® Secured||2% cash back at Gas stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.|
|Discover it® Student chrome||2% cash back at Gas stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.|
Compare Discover Cards
You can use our card comparison tool to evaluate how each card works for your budget and spending habits. Browse the options below and click on the gear icon to adjust the spending inputs for each category.