Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 684* | Lowest Approved Score: 641*
- 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- Exclusive offer: Double all the cash back you've earned at the end of your 1st year - automatically.*
- 5% cash back in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
- New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers on misplaced cards in seconds by mobile app & online*
- Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text- and never responsible for unauthorized purchases on your Discover card.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
|Intro APR, Purchases||Intro Term, Purchases||Intro APR, Balance Transfers||Intro Term, Balance Transfers||Regular APR||Annual Fee|
|0%*||12 Months||0%*||12 Months||10.99% – 22.99%* Variable||$0|