Compare credit cards and see how Discover stacks up.
Compare to other cash rewards cards and see how Discover stacks up.
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Blue Cash Everyday® Card from American Express® |
Chase Freedom Unlimited℠‡ |
Bank Americard Cash Rewards™ |
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No Annual Fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
|
Blue Cash Everyday® Card from American Express® |
Chase Freedom Unlimited℠‡ |
Bank Americard Cash Rewards™ |
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Rewards
Rewards | ||||||
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Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 1 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
1% cash back or more on all other credit card purchases | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Redeem your rewards for cash in any amount, anytime 2 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Your cash back never expires | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Use your rewards instantly at Amazon.com checkout 3 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Security
Security | ||||||
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Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Free overnight shipping for card replacement at home or away to any U.S. street address at your request 5 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Value
Value | ||||||
---|---|---|---|---|---|---|
Paying late won't raise your APR | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No late fee on your first late payment | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ | Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No overlimit fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ | Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No foreign transaction fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ | Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Service
Service | ||||||
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Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
100% U.S. - based customer service available any time | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Pay your bill up to midnight (ET) the day it's due by phone or online | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers. Citi® Double Cash Card offers 1% cash back on purchases and then 1% cash back as you pay for purchases. Capital One Quicksilver® offers 1.5% cash back on every purchase. Chase Freedom Unlimited℠ offers 1.5% cash back on every purchase.
- 1.Cashback MatchTMOnly from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
- See rewards terms and conditions.
- 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - * Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
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Blue Cash Everyday®Card from American Express® |
Chase Freedom Unlimited℠ |
Capital One® Quicksilver® Cash Rewards |
Citi®Double Cash Card‡ |
Bank Americard Cash Rewards |
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No Annual Fee | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
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Blue Cash Everyday®Card from American Express® |
Chase Freedom Unlimited℠ |
Capital One® Quicksilver® Cash Rewards |
Citi®Double Cash Card‡ |
Bank Americard Cash Rewards |
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Rewards
Rewards | ||||||
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Earn unlimited 1.5x rewards on every dollar you spend on purchases | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Get an automatic match of all the rewards you've earned at the end of your first year—only for new cardmembers 1 | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver® Cash Rewards |
Citi®Double Cash Card | Bank Americard Cash Rewards |
Redeem your rewards for cash in any amount, any time 2 |
Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Your rewards never expire | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Security
Security | ||||||
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Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases3 | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One®Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Free overnight shipping for card replacement to any U.S. street address at your request 4 | Miles Credit Card | Blue Cash Everyday®Card from American Express® |
Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Value
Value | ||||||
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Paying late won't raise your APR | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
No late fee on your first late payment | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card |
Bank Americard Cash Rewards |
No overlimit fee | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
No foreign transaction fee | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Service
Service | ||||||
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Get your FICO® Credit Score for free on monthly statements, on mobile and online 5 | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards |
Citi®Double Cash Card | Bank Americard Cash Rewards |
100% U.S. based customer service available anytime | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards |
Citi®Double Cash Card | Bank Americard Cash Rewards |
Accepted nationwide by at least 98% of the merchants that take credit cards 6 | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver®Cash Rewards | Citi®Double Cash Card | Bank Americard Cash Rewards |
Pay your bill up to midnight (ET) the day it's due by phone or online | Miles Credit Card | Blue Cash Everyday®Card from American Express® | Chase Freedom Unlimited℠ | Capital One® Quicksilver® Cash Rewards |
Citi®Double Cash Card | Bank Americard Cash Rewards |
Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers. ‡Citi®Double Cash Card offers 1% on purchases and then 1% cash back as you pay for purchases.
- 1.Discover Match®: After the first 12 consecutive billing periods that your new account is open, we will match all the Miles you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the Miles reward program at the time we calculate your potential award, your Miles will not be matched. You've earned Miles rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 2. Redeem Miles: Starting at 1 Mile, you can redeem for cash as a electronic deposit to your bank account or for a credit for Travel Purchases on your statement made within in last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites and commuter transportation. Redemption may not be available for approximately 24-48 hours if your card is reported lost or stolen. See Miles Terms and Conditions for details.
- Miles Never Expire: We will credit your account with your rewards balance if your account is closed or has not been used in 18 months.
- See Miles rewards terms and conditions.
- 3. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 4. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 5. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - 6.Accepted at 98% of Merchants: According to the Feb 2016 issue of the Nilson Report
- * Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
|
Blue Cash Everyday® Card from American Express® |
Citi® Double Cash Card‡ |
Bank Americard Cash Rewards™ |
|||
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No Annual Fee | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
|
Blue Cash Everyday® Card from American Express® |
Citi® Double Cash Card‡ |
Bank Americard Cash Rewards™ |
---|
Rewards
Rewards | ||||||
---|---|---|---|---|---|---|
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 1 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Redeem your rewards for cash in any amount, anytime 2 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Your cash back never expires | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Use your rewards instantly at Amazon.com checkout 3 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Security
Security | ||||||
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Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
$0 Fraud Liability - you�re never responsible for unauthorized purchases on your credit card | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Free overnight shipping for card replacement to any U.S. street address at your request 5 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Value
Value | ||||||
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Paying late won't raise your APR | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No late fee on your first late payment | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No overlimit fee | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No foreign transaction fee | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Service
Service | ||||||
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Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
100% U.S. based customer service available any time | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Pay your bill up to midnight (ET) the day it's due by phone or online | NHL® Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers. Citi® Double Cash Card offers 1% cash back on purchases and then 1% cash back as you pay for purchases. Capital One Quicksilver® offers 1.5% cash back on every purchase. Chase Freedom Unlimited℠ offers 1.5% cash back on every purchase.
- 1.Cashback MatchTMOnly from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
- See rewards terms and conditions.
- 3. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - * Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
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Capital One® Journey℠ Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
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No Annual Fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
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Capital One® Journey℠ Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
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Rewards
Rewards | |||
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$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years 3 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 4 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
2% cash back in popular categories 5 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
1% cash back on all other purchases | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Redeem your rewards for cash in any amount, anytime 6 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Your cash back never expires | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Use your rewards instantly at Amazon.com checkout 7 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Security
Security | |||
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Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases1 | Student Credit Card | Chase® Sapphire Preferred | Citi Thank You® Preferred Card for College Students |
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Free overnight shipping for card replacement to any U.S. street address at your request 2 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Value
Value | |||
---|---|---|---|
Paying late won't raise your APR What is APR?
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Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No late fee on your first late payment | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No overlimit fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No foreign transaction fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Service
Service | |||
---|---|---|---|
Get your FICO® Credit Score for free on monthly statements, on mobile and online 8 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
100% U.S. based customer service available any time | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Pay your bill up to midnight (ET) the day it's due by phone or online | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers.
- 1. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 2. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 3. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
- 4.Cashback MatchTMOnly from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 5. Discover it® Student Chrome offers: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
- 6. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
- 7. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- 8. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - * Intro purchase APR is 0% for 6 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.49% variable to 22.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
|
Blue Cash Everyday® Card from American Express® |
Chase Freedom Unlimited℠‡ |
Citi® Thank You Preferred |
Bank Americard Cash Rewards™ |
||
---|---|---|---|---|---|---|
No Annual Fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
|
Blue Cash Everyday® Card from American Express® |
Chase Freedom Unlimited℠‡ |
Citi® Thank You Preferred |
Bank Americard Cash Rewards™ |
---|
Rewards
Rewards | ||||||
---|---|---|---|---|---|---|
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 1 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
2% or more cash back in popular categories | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
1% cash back or more on all other credit card purchases | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Redeem your rewards for cash in any amount, anytime 2 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Your cash back never expires | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Use your rewards instantly at Amazon.com checkout 3 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Security
Security | ||||||
---|---|---|---|---|---|---|
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases4 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
$0 Fraud Liability - you�re never responsible for unauthorized purchases on your credit card | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Free overnight shipping for card replacement at home or away to any U.S. street address at your request 5 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Value
Value | ||||||
---|---|---|---|---|---|---|
Paying late won't raise your APR | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No late fee on your first late payment | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No overlimit fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
No foreign transaction fee | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Service
Service | ||||||
---|---|---|---|---|---|---|
Get your FICO® Credit Score for free on monthly statements, on mobile and online 6 | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
100% U.S. - based customer service available any time | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Pay your bill up to midnight (ET) the day it's due by phone or online | Cash Credit Card | Blue Cash Everyday® Card from American Express® | Chase Freedom Unlimited℠‡ |
Capital One® Quicksilver® Cash Rewards‡ | Citi® Double Cash Card‡ | Bank Americard Cash Rewards™ |
Comparison conducted by an independent research firm and based on competitor data compiled in November 2016 from company websites, customer service agents, and consumer credit offers. Discover it ® chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. ‡Capital One Quicksilver offer 1.5% cash back on every purchase. Chase Freedom Unlimited℠ offers 1.5% cash back on every purchase.
Ready to apply for the Discover it® Chrome Card?
- 1.Cashback MatchTM Only from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 2. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
- See rewards terms and conditions.
- 3. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- 4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 6. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - * Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
|
Capital One® Journey℠ Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
|
---|---|---|---|
No Annual Fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
|
Capital One® Journey℠ Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
---|
Rewards
Rewards | |||
---|---|---|---|
$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years1 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers2 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
1% cash back on all other purchases | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Redeem your rewards for cash in any amount, anytime3 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Your cash back never expires | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Use your rewards instantly at Amazon.com checkout4 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Security
Security | |||
---|---|---|---|
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases5 | Student Credit Card | Chase® Sapphire Preferred | Citi Thank You® Preferred Card for College Students |
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Free overnight shipping for card replacement to any U.S. street address at your request6 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Value
Value | |||
---|---|---|---|
Paying late won't raise your APR What is APR?
|
Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No late fee on your first late payment | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No overlimit fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
No foreign transaction fee | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Service
Service | |||
---|---|---|---|
Get your FICO® Credit Score for free on monthly statements, on mobile and online7 | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
100% U.S. based customer service available any time | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Pay your bill up to midnight (ET) the day it's due by phone or online | Student Credit Card | Capital One® JourneySM Student Rewards Credit Card |
Citi Thank You® Preferred Card for College Students |
Comparison conducted by an independent research firm and based on competitor data compiled on November 2016, from company websites, customer service agents, and consumer credit offers.
Ready to apply for the Discover it® for Students Card?
- 1. Good Grades Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
- 2.Cashback MatchTMOnly from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
- 4. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- 5. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 7. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - * Intro purchase APR is 0% for 6 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.49% variable to 22.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
|
Capital One® Secured MasterCard |
Bank Americard® Secured Credit Card |
Wells Fargo Secured Card |
Citi®Secured MasterCard® |
|
---|---|---|---|---|---|
No Annual Fee | Secured Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
|
Capital One® Secured MasterCard |
Bank Americard® Secured Credit Card |
Wells Fargo Secured Card |
Citi®Secured MasterCard® |
---|
Essentials
Essentials | |||||
---|---|---|---|---|---|
Refundable security deposit 1 | Secured Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Automatic periodic reviews to see if we can transition you to an account with no security deposit 1 | Cash Credit Card | CapitalOne Secured MasterCard |
Bank Americard Secured Rewards™ |
Wells Fargo Secured Card® |
Citi®Secured MasterCard® |
Reports to all three major credit bureaus | Secured Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Security
Security | |||||
---|---|---|---|---|---|
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases2 | Secured Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Free overnight shipping for card replacement to any U.S. street address at your request 3 | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Value
Value | |||||
---|---|---|---|---|---|
Paying late won't raise your APR
|
Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
No late fee on your first late payment | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
No overlimit fee | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
No foreign transaction fee | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Service
Service | |||||
---|---|---|---|---|---|
Get your FICO® Credit Score for free on monthly statements, on mobile and online 4 | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
100% U.S. based customer service available any time | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Pay your bill up to midnight (ET) the day it's due by phone or online | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Rewards
Rewards | |||||
---|---|---|---|---|---|
2% cash back in popular categories †† | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
1% cash back on all other purchases | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 6 | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Redeem your rewards for cash in any amount, anytime 7 | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Your cash back never expires | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Use your rewards instantly at Amazon.com checkout 8 | Student Credit Card | Capital One® Secured MasterCard | Bank Americard® Secured Credit Card | Wells Fargo Secured Card | Citi®Secured MasterCard® |
Comparison conducted by an independent research firm and based on data compiled on November 2016 from company websites, customer service agents, and consumer credit offers.
- ††Discover it® Secured Credit Card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
- 1.Discover refunds deposits two ways: 1) automatic monthly reviews start at seven months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time.or 2) when you close your account and pay in full we will return the security deposit to you, which can take up to two billing cycles plus ten days.See other issuers' terms for their details.
- 2. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- 3. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- 4. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. - 6.Cashback MatchTMOnly from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
- 7. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
- 8. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
- * 23.49% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $2.00. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
"Highest in Customer Satisfaction with Credit Card Companies, Three Years in a Row" by J.D. Power. J.D. Power Award Information
Thanks again!
Discover received the highest numerical score among credit card issuers in the proprietary J.D. Power 2014–2016 Credit Card Satisfaction Studies, tied in 2014. 2016 study based on responses from 20,206 consumers measuring 10 card issuers and measures opinions of consumers about the issuer of their primary credit card provider, surveyed September 2015–May 2016. Your experiences may vary. Visit jdpower.com.