This page includes information about the Discover it® Miles, Discover it® Secured, Discover it® Cash Back, Discover it® Student Cash Back, and Discover it® Business Credit Card products, which are currently not available on Business Insider and may be out of date.
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The best Discover credit cards in 2021:
| Category | Discover credit card |
| Best for travel: | |
| Best for cash back: | |
| Best for students: | |
| Best secured option: | |
| Best for business: | Discover it® Business Credit Card |
Discover offers a wide range of credit cards for different types of consumers, and its cards have a lot going for them.
For starters, Discover credit cards never come with an annual fee, and Discover is well known for its US-based call centers. Due to the quality of its customer service and the entire cardholder experience, Discover even beat out all other card issuers in J.D. Power’s 2019 US Credit Card Satisfaction Study, which considered the experiences of more than 28,000 credit card customers across the nation.
Some Discover credit cards even waive your first late payment fee, and many offer identity protection perks like Social Security Number monitoring and free overnight card replacement in the event your card is lost or stolen. Discover rewards credit cards also make things easy by letting you redeem for cash back at any time you want, and in any increments you want. And as a Discover cardholder, you get free access to your FICO score.
If you’re in the market for a Discover credit card and you’re wondering which one might suit your needs best, you’ll need to consider what you hope to gain and the type of customer you are.
Best Discover card for travel: Discover it® Miles
The
You can also get cash back or statement credits to cover other charges made to your card, so you aren’t tied down to making a specific redemption. There is no annual fee to keep this card, and you can get access to your FICO score for free on your monthly statements.
Best Discover card for cash back: Discover it® Cash Back
The
Discover has already shared all of its bonus categories for 2021, which include grocery stores, Walgreens, and CVS (January to March), gas stations, wholesale clubs, and select streaming services (April – June), restaurants and Paypal (July – September), and Amazon.com, Walmart.com, and Target.com (October – December).
Best Discover card for students: Discover it® Student Cash Back
The
It may be easier to qualify for this card with limited credit history. You can also receive a $20 statement credit each school year your GPA is 3.0 or higher for up to five years in a row.
Best secured option among Discover cards: Discover it® Secured
Where many secured credit cards charge annual fees, application fees, and other fees, the
You’ll also earn 2% cash back on up to $1,000 spent at gas stations and restaurants each quarter followed by 1% back, as well as 1% back on everything else you buy. Like other rewards from Discover, you can earn unlimited cash back that never expires, and you can redeem it for cash back, statement credits, and gift cards.
You can get free access to your FICO score on your credit card statement each month, which can help you monitor and improve your credit over time. Further, you won’t pay a late fee on your first late payment, and there aren’t any over-the-limit fees with this card, either.
Best Discover card for business: Discover it® Business card
The Discover it® Business card is a solid option if you’re looking for a business credit card without an annual fee. You’ll earn 1.5% cash back for each dollar you spend, as well as a FICO score on your credit card statement each month.
Perks for your business include business expense tracking assistance and free employee cards. You also get free Social Security Number alerts that can help you protect your identity, as well as a $0 fraud liability guarantee.
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel.
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