Discover offers a range of credit cards to fit different needs, all with no annual fees and generous cash back programs. Most cards feature a 0% introductory APR for up to 15 months on purchases and balance transfers. After this period, the variable APR ranges from 16.49% to 26.49%, depending on the card and your creditworthiness. For secured cards, the standard variable APR is 26.49%, making responsible use important if you’re starting to build credit. Credit limits are determined by your credit profile and, for secured cards, your deposit—typically starting at $200.

How to Apply Step-by-Step

1. Check if you pre-qualify online for any Discover card. This will not impact your credit score.
2. Choose the card that best fits your needs from their lineup: cash back, student, secured, or travel miles.
3. Fill out the secure online application with personal and financial information.
4. Submit your application and receive a decision, often within minutes.
5. If approved, activate your card and start using it to earn rewards.

Benefits of Discover Credit Cards

One of the standout pros is unlimited Cashback Match during your first year, maximizing your rewards effortlessly. Every Discover card lets you earn cash back or miles on a variety of everyday purchases, helping you get more value from your routine spending.

There’s also a $0 annual fee across all cards, which is rare among reward credit cards. Plus, the application process is streamlined and pre-qualification checks won’t impact your credit score.

Potential Drawbacks to Consider

Discover isn’t as widely accepted internationally as Visa or Mastercard, which can be an issue if you travel abroad frequently. Additionally, while the cashback and introductory offers are strong, top earners in specific categories might find higher rates elsewhere after the first 12 months.

The variable APR after the intro period can be high, especially if you have less-than-excellent credit, so carrying a balance can get expensive.

Verdict: Is a Discover Card Right for You?

Discover credit cards shine if you want straightforward rewards, no annual fees, and a chance to maximize cash back in your first year. They’re particularly friendly for beginners looking to build credit or students who want to start earning rewards. While they may not be perfect for globetrotters, they’re an excellent everyday choice for most US consumers.