Card
Network

Discover
Bank

Discover Card
Issuing
Country

United States
User
Category

Student
Card
Type

Unsecured
Credit
Recommended

Fair
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.

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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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.
  • 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 14.74% - 23.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
+ Pros
  • 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

REWARDS PROGRAM

Rewards Type
cash back
Rewards Rate
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Bonus Reward
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

PURCHASES

Intro
APR

0% (6 months)
Ongoing
APR

14.74% - 23.74% Variable
Penalty
APR

See terms
Minimum Grace
Period

See terms
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

10.99% (6 months)
Ongoing
APR

See terms
Balance Transfer
Fee

3%
Penalty
APR

See terms
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

See terms
Ongoing
APR

26.74% Variable
Cash Advance
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

None
Late Payment
Fee

See terms
Card Overall Rating
APPLY
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