Discover Card


Discover Card may be best known for their CashBack Bonus program. For years it has been the staple of their credit card products. Discover Card has always tried to create card products that offer value to the consumer. Many of their cards now offer long introductory rates on purchases and balance transfers, while others may offer greater percentages of cash back on of certain types of purchases. Discover Card also ranked #1 in customer loyalty among the top credit card issuers, according to the 2010 Brand Keys Customer Loyalty Engagement Report.

Below you will find a listing of some of the most popular Discover Credit Cards. Some of the Discover Card applications will be for cards offering long term 0% balance transfer rates while others may offer enhanced cash back or frequent flyer rewards. For more information or to apply online, simply click the “Apply Now” button.

Discover Credit Cards

 Discover it® 
 

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking \'Apply.\'
  
 Intro Purchase APR
0% for 14 months*
Intro Balance Trans. APR
0% for 14 months*
APR
10.99% - 22.99% Variable*
Annual Fee
$0
 



 Discover it® 
 

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking \'Apply.\'
  
 Intro Purchase APR
0% for 6 months*
Intro Balance Trans. APR
0% for 18 months*
APR
10.99% - 22.99% Variable*
Annual Fee
$0
 



 Discover it® for Students 
 

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service. Looks out for you-since each Discover purchase is monitored.
  • If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click \'Apply Now\' to see rates, rewards, free FICO® Credit Score terms and other information.
  
 Intro Purchase APR
0% for 6 months*
Intro Balance Trans. APR
See Terms for See Terms*
APR
12.99%-21.99% Variable*
Annual Fee
$0
 



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Rating: 4.6/5 (8 votes cast)
Discover Card, 4.6 out of 5 based on 8 ratings

Discover Credit Card Application

When people think of Discover Card, they think of their cashback bonus programs. Providing cardholders with cash back rewards has been the staple of the Discover credit card brand for many years, but their customer service is the foundation. They consistently offer best of class customer service year in, year out. Discover also prides themselves in product innovation and is always working on great products that are attractive to consumers. There is a wide variety of Discover credit card applications such as their traditional cash back offers, credit card offers with longer introductory rates on balance transfers, cards that offer frequent flyer miles, and even cards that reward you for paying your bill on-time. They do cater to a higher quality applicant though as you have to have a good credit score to really be seriously considered. Discover also has a good selection of credit cards for college students.

Choosing the Best Discover Card

When you are trying to decide which the Best Discover Card is for you, you need to consider a few items first. The first item should be is determining your goals. Are you looking to do a balance transfer to a longer term 0% interest rate? Do you pay your bill off every month, but just want to earn rewards? Maybe you just want another line of credit available for those unexpected emergencies. You need to decide those things first. Based on that, you can then determine if getting a card with an annual fee or not makes sense, or if the ongoing interest rates are that important to you. For example, if you pay your bill off every month, you may want to get a card that offers greater rewards versus a card that has more attractive annual percentage rates as its main feature. Also pay attention to the rate at which you earn rewards and which types of items. You may earn a higher rate on gas purchases for example and a lower rate on others. Just make sure you pick the best Discover Card for that fits your lifestyle.

Where are Discover Credit Cards Accepted?

Discover Cards are accepted in more places than you think. There are millions of businesses, retailers, restaurants, that will take their cards as payment. Sometimes the retailers won’t advertise it and they only show the Visa or MasterCard logos. If you aren’t sure, just ask. Earning those cash back rewards is worth it! The only potential issue with acceptance would probably be if you traveled abroad much. While they have a large international network, they aren’t as widely accepted internationally as the three other big networks.