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At the end of this guide, you’ll find detailed profiles of all Discover credit cards. Each card integrates seamlessly with your Discover Bank checking account and mobile app, ensuring you can manage both checking and credit under one roof.
Detailed Descriptions of Discover Credit Cards
Below are the personal cards Discover offers, each with functionalities and differentiators:
Discover it® Cash Back
- Rewards: 5% cash back on rotating quarterly categories (up to $1,500/quarter when activated) + 1% on all other purchases.
- Cashback Match™: Unlimited dollar‑for‑dollar match of all cash back earned in the first year.
- Differentiator: No annual fee + first‑year match effectively doubles your rewards. DiscoverDiscover
Discover it® Miles
- Rewards: 1.5 miles per dollar on every purchase.
- Miles Match™: Unlimited match of all miles earned in the first year.
- Differentiator: Flexible travel redemption—use miles for any travel purchase. No annual fee. Discover
Discover it® Chrome
- Rewards: 2% cash back at gas stations & restaurants (up to $1,000 combined quarterly); 1% on all other purchases.
- Differentiator: Simple, focused rewards; no annual fee. Ideal for dining and fuel spenders. Discover
Discover it® Secured
- Rewards: 2% cash back at restaurants & gas (up to $1,000 in combined purchases each quarter); 1% on others.
- Security Deposit: Required refundable deposit ($200 min).
- Differentiator: Build or rebuild credit responsibly with on‑time payments; no annual fee. Discover
Discover it® Student Cash Back
- Rewards: 5% cash back on rotating quarterly categories (up to $1,500/quarter when activated) + 1% on all other purchases.
- Benefits: Free FICO® Score, no annual fee, designed for college students.
- Differentiator: Teaches rewards habits early, unlimited Cashback Match™ first year. Discover
Discover it® Student Chrome
- Rewards: 2% cash back at gas stations & restaurants; 1% on all other purchases.
- Differentiator: Student‑focused, no annual fee, simple rewards structure. Discover
NHL® Discover it®
- Rewards: 5% cash back on rotating categories + 1% on other purchases.
- Differentiator: NHL logo, no annual fee, unlimited Cashback Match™ first year, perfect for hockey fans. Discover
How to Download the Discover Mobile® App
- Open the App Store (iPhone/iPad) or Google Play Store (Android).
- Search for “Discover Mobile®.”
- Verify the publisher: Discover Financial Services.
- Tap Install (Android) or Get (iOS).
- Open the app, select Sign Up or Log In, and enter your Discover account credentials.
- Enable biometrics (Face ID/Touch ID or fingerprint) and push notifications for instant alerts.
Frequently Asked Questions
Q1: How do I earn my 1% debit cash back?
Cash back posts monthly on up to $3,000 in qualifying debit purchases. You can auto‑redeem into checking or savings. Discover
Q2: Are there any ATM fees?
Discover waives out‑of‑network ATM fees if the ATM owner charges—no hidden charges on 60,000+ ATMs. Discover
Q3: Can I use Discover Mobile internationally?
You can log in abroad, but features like Zelle® remain U.S.‑only. App download limited to U.S. app stores. Discover
Q4: How do I qualify for Discover credit cards?
Most cards require good to excellent credit (700+ FICO®). Secured and student cards have lower thresholds. Discover
Sources:
- Discover Online Banking Features DiscoverDiscover
- How Discover Debit Cashback Works Discover
- Discover Bankrate Review Bankrate
- Discover Mobile App (iOS) Ratings Apple
- Discover Mobile Android Install Surge SSRN
- NerdWallet Mobile App Satisfaction Study NerdWallet: Finance smarter
- Discover it® Cash Back & Miles Details DiscoverDiscover
- Discover it® Student Card Benefits
- How to Download the Discover Mobile® App
- Open the App Store (iPhone/iPad) or Google Play Store (Android).
- Search for “Discover Mobile®.”
- Verify the publisher: Discover Financial Services.
- Tap Install (Android) or Get (iOS).
- Open the app, select Sign Up or Log In, and enter your Discover account credentials.
- Enable biometrics (Face ID/Touch ID or fingerprint) and push notifications for instant alerts.
