Guide to Discover Credit Cards

From a single card introduced in 1986 (and originally owned by Sears), Discover now offers a broad array of rewards credit cards to fit a variety of consumer lifestyles. Discover cards are usually among the best available cards on the market.

This Guide summarizes Discover’s top credit card offerings for 2015. Scroll down to browse all cards, or click a link to jump to a particular Discover rewards card.

Discover® it Cash Back Rewards Card

discover it credit card review

CreditShout Rating

Excellent

Rewards Program:

  • ​5% Cash Back on Rotating Categories (on up to $1,500 of spending per quarter, then 1%)
  • 1% Cash Back on Everything Else (Unlimited)
  • Redeem Any Amount, Any Time

Signup Bonus:

  • Choose either: 0% APR 12 month for Purchases & Balance Transfers OR 0% APR for 18 Months on Balance Transfers and 6 Months on Purchases*

Annual Fee: $0

Credit Required: Very Good, Excellent​

Intro APR

Choose Either 0% for (i) 12 months or (ii) 6 months 

Intro Balance Transfer

Choose Either 0% for (1) 12 months or (ii) 18 Months. 3% Transfer Fee always applies.

Regular APR

10.99% - 22.99% Variable

Read our Full Review

Discover® it Chrome Gas Rewards Card

discover it chrome gas rewards analysis

CreditShout Rating

Excellent

Rewards Program:

  • ​2% Cash Back on Gas and Restaurants (on up to $1,000 of combined spending per quarter)
  • 1% Cash Back on Everything Else (Unlimited)
  • Redeem Any Amount, Any Time

Signup Bonus:

  • 0% APR 12 month for Purchases & Balance Transfers*

Annual Fee: $0

Credit Required: Very Good, Excellent​

Intro APR

0% for 12 months

Intro Balance Transfer

0% for 12 months + 3% Balance Transfer Fee

Regular APR

10.99% - 22.99% Variable

Click Here to Read our Review

Discover it® Miles Travel Rewards Card

Discover it Miles Travel Rewards Credit Card Review

CreditShout Rating

Excellent

Rewards Program:

  • ​1.5x miles for each dollar spent
  • No annual fee
  • No fee for first missed payment
  • Option to redeem rewards as 1.5% cash back
  • Annual credit of $30 for in-flight wi-fi charges

Signup Bonus:

  • Double all miles at the end of 1st year (i.e., 3x cash spent for year 1)
  • 0% Introductory APR on purchases for 12 Months*

Annual Fee: $0

Credit Required: Very Good, Excellent

Intro APR

0% for 12 Months on Purchases​

Intro Balance Transfer

10.99% for 12 Months + 3% Transfer Fee

Regular APR

10.99% - 22.99% Variable

Read our Review Here

Discover it® for Students Cash Back Card

Comparison of various Discover it credit cards

CreditShout Rating

Excellent

Rewards Program*:

  • 5% Cash Back on Rotating Categories (subject to $1,500/quarter spending cap, then 1%)
  • 1% Cash Back on all other Purchases

Signup Bonus*:

  • 0% APR on Purchases for 6 Months
  • 10.99% APR Financing for 6 Months on Balance Transfers

Annual Fee: $0​

Credit Required: Fair

Intro APR

0% for 6 Months on Purchases​*

Intro Balance Transfer

10.99% for 6 Months + 3% Transfer Fee

Regular APR

12.99% - 22.99% Variable

Check out the Complete Review

Discover it® for Students Chrome Gas Card

Discover it Student Chrome Gas and Cash Rewards Card

CreditShout Rating

Excellent

Rewards Program:

  • 2% on Cash Back on up to $1,000 Spent at Restaurants and on Gas per Calendar Quarter
  • 1% Cash Back on all other Purchases (including purchases over quarterly maximums)

Signup Bonus:

  • 0% APR on Purchases for 6 Months
  • 10.99% APR for 6 Months on Balance Transfers

Annual Fee: $0​

Credit Required: Fair

Intro APR

0% for 6 Months on Purchases​*

Intro Balance Transfer

10.99% for 6 Months + 3% BT Fee

Regular APR

12.99% - 22.99% Variable

Check out the Complete Review

Discover's Cash Back Bonus Categories for 2015

With Discover it you can earn a 5% Cashback Bonus on popular spending categories that rotate throughout the year. The 5% Cash Back categories for 2015 are:

  • January - March: Gas & Ground Transportation, on up to $1,500.
  • April - June: Restaurants and Movies, on up to $1,500.
  • July - September: Home Improvements Stores, Department Stores & Amazon.com, on up to $1,500.
  • October - December: Holiday Shopping & More, with exciting details coming in August.

Last Update: June 24, 2015

About the author

Kevin

Kevin founded CreditShout in 2008 to help people manage their credit and finances. He wants to make it easy for anyone, regardless of their level of financial knowledge to understand credit cards and what may seem like the complex world of personal finance. | Author Google+