The Discover card is America's first cash rewards credit card, and I think it has some of the most pleasant customer services in the credit card industry. There are several types and versions of Discover credit cards (cash back/rewards cards), and many have similar features. Having reviewed so many credit cards, I can say with confidence that Discover is one of the more competitive card issuers as it frequently comes out with new credit cards for different needs.
Are you thinking of getting a Discover card, but are not sure which one exactly you should get, and which are the latest offers? You've come to the right place. We at GET.com get all the latest Discover credit card offers directly from Discover, so we know which are the latest and hottest deals and can share them with our readers here.
Here's a quick overview of Discover credit cards:
- Discover it® cash back cards give you up to 5% cash back on your spending. This 5% applies (after you sign up for 5% cash back) to certain categories of purchases that change every quarter. The categories are wide-ranging, and include gas, fashion, travel, dining and many more, so you always have an opportunity to save more money on your regular expenses. You earn this 5% for total category purchases you make each quarter up to the quarterly maximum. Think of cash back cards as discount cards!
- Discover it® chrome cards let you earn 2% cash back automatically on certain types of spending right throughout the year.
- Discover credit cards are very flexible. Your cash rewards can be exchanged for real cash or if you prefer, other types of rewards such as store gift cards or merchandise.
- Shop with Discover Deals to earn extra cash back when you buy stuff from big-name online retailers such as BestBuy, Groupon, Home Depot, JCPenney etc. Miles card members earn extra miles with Discover Deals.
- Great customer service. J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014" after it received an equal score with American Express.
- Freeze ItSM on/off switch helps prevent unauthorized use of your card by letting you freeze or unfreeze your account in a matter of seconds through the Discover website or mobile app.
- Choose from a large selection of card designs. With this option, you don't have to stick to a boring card image.
Below are the highlights of the latest Discover cards:
Discover it® - New! Double Cash Back your first year is the main and most popular Discover card. You get 5% cash back up to the quarterly maximum for combined purchases in certain categories that change every 3 months, after you sign up for 5% cash back. Earn 1% cash back on all other purchases. Discover automatically doubles all of the cash back you've earned at the end of your first year (only for new cardmembers). Get additional cash back when shopping with Discover Deals to save even more money. It also has a special 0% intro APR on purchases and balance transfers for the first 10 months (a variable purchase APR, currently 10.99% - 22.99% applies thereafter). A 3% fee applies to balance transfers. No annual fee.
Read our review of Discover it® - New! Double Cash Back your first year.
Discover it® - New! Double Cash Back your first year - 16 Month Balance Transfer Offer is one of the best balance transfer cards on the market now. This version of the card that offers a special 0% intro APR for people who transfer any card balance to this new credit card, for a period of 16 months (10.99% - 22.99% thereafter). Cut your card debts and pay no interest for 16 months with this card. Keep in mind that a 3% balance transfer fee still applies. You'll also enjoy 0% introductory APR on purchases for 6 months, and a variable purchase APR, currently 10.99% - 22.99%, after that As well as letting you earn a bonus by doubling all the cash back you've earned at the end of your first year (only for new cardmembers), you will earn 5% cash back in categories that change each quarter (department stores, Amazon.com and more) up to the quarterly maximum, when you sign up. You earn 1% cash back on all your other purchases. This card has no annual fee.
Discover it® Miles - Double Miles your first year gives you unlimited 1.5x Miles on every dollar you spend on purchases. Every 100 Miles = $1 value and you can redeem miles in any amount toward travel purchases on your statement. This card has 0% intro APR on purchases for 12 months, then a 10.99% - 22.99% variable APR after that. Get an automatic statement credit for in-flight Wi-Fi fees (up to $30 a year). Free FICO® Credit Score on statements, online & by mobile app. Enjoy 100% U.S.-based service. This card now comes with an exclusive double miles offer: At the end of your first year Discover doubles all the Miles you've earned. No annual fee.
Read our review of Discover it® Miles - Double Miles your first year here.
Discover it® chrome - New! Double Cash Back your first year is a no annual fee credit card that gives you 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter. And you don't need to sign-up to a cash back program in order to earn the 2% cash back - it's automatic. You also earn 1% cash back on all other purchases. As an offer only for new cardmembers all the cash back you've earned at the end of your 1st year will be doubled automatically. So if you earn $100 cash back, this will be doubled to $200 by Discover. There is a 0% intro APR on purchases and balance transfers for 10 months, after that there is a standard 10.99% - 22.99% variable purchase APR. There is a 3% fee for each balance transfer. Track your recent FICO® score for free on your monthly statements or online. Customer service at all hours, 100% US based. No foreign transaction fee, no overlimit fee and no late fee on your first late payment.
Read our review of Discover it® chrome - New! Double Cash Back your first year here.
Discover it® for Students - New! Good Grades Rewards is the student version of the flagship Discover it® which also has the 5% cash back up to the quarterly maximum for purchases in rotating categories (like gas, Amazon.com, restaurants, and more) after you sign up for 5% cash back. You receive 1% cash back on all other purchases. This is a good card if you want to build up your credit while in college and it lets you track your recent FICO® credit score for free in monthly statements and online. It has 0% intro APR on purchases for 6 months, and 12.99% - 21.99% variable purchase APR on purchases thereafter, as well as a 10.99% intro APR on balance transfers for 6 months with 12.99% - 21.99% variable APR thereafter. Receive $20 cash back each school year your GPA is equal or above 3.0 (for up to the next 5 years). No annual fee.
Read our review of Discover it® for Students - New! Good Grades Rewards.
Discover it® chrome for Students - New! Good Grades Rewards. If you're looking for a fair credit student card that offers decent cash back on ordinary expenses, this credit card's a good place to start. First of all, it won't cost you much as it has no annual fee, no overlimit fee, no late fee on your first late payment, and for those who like traveling or shopping abroad, it has no foreign transaction fee. Then there's the 2% cash back that you earn if you spend at restaurants and gas stations, up to a combined purchase limit of $1,000 per quarter. No need to sign up to earn this 2% cash back. You get a full 1% cash back for all other purchases. Benefit from a 0% intro APR on purchases for 6 months (after that, there is a 12.99% - 21.99% variable purchase APR). You'll also enjoy 10.99% intro APR on balances transferred to this account by January 10, 2016 (12.99% - 21.99% variable purchase APR thereafter). For up to the next 5 years, as a new cardholder you will be rewarded for your good grades with $20 cash back each school year your GPA is 3.0 or higher.
Read our review of Discover it® chrome for Students - New! Good Grades Rewards here.
NHL® Discover it® card - New! Double Cash Back your first year gives you a stunning NHL design and benefits, while still bringing you all the everyday perks of a Discover card. For starters you get to choose a card that represents your favorite team. Plus, you get 10% off at NHL GameCenter LIVE™ and at Shop.NHL.com. This card lets you earn 5% cash back up to the quarterly maximum in categories that change every quarter, when you sign up. You earn 1% cash back on all other purchases, so just using this card to pay any purchase earns decent cash back. This card has a special offer for new cardmembers only: At the end of your first year as a new cardmember, Discover will double all the cash back you’ve earned. So if you earned $100 during your first year, Discover will automatically double that to $200. This sports credit card has no annual fee.
Read our full NHL® Discover it® card - New! Double Cash Back your first year review here.
Ivan Daniel is a writer at GET.com, a personal finance website. Email: firstname.lastname@example.orgEditorial Disclosure: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.