Apply Now on Discover's website
Recommended FICO® Score1 Rating
Fair
Rewards

Rewards, Intro Bonus, Cash Back

Intro Bonus

Dollar-for-dollar match of all cash back earned the first year

Annual Fee

$0

Intro APR

0% on Purchases for 6 months

Ongoing APR

13.99% - 22.99% Variable

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Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Card Details
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • 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 late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
Rates and Fees
Apply Now

on Discover's website

Pros:
  • No annual fee
  • 0% intro APR on purchases for 6 months
  • Up to 5% cash back
  • No foreign transaction fees
Cons:
  • May not be accepted in all countries outside of US