Best Discover Credit Cards of 2026
Top Discover cards ranked by earn rates and total value.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining and Grocery Stores and Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Discover it® Miles
Discover
- +1.5x on everything — points worth 1.0¢ each
- +No annual fee
Discover it® Student Chrome
Discover
- +2% cash back on Dining
- +No annual fee
Discover it® Chrome
Discover
- +2% cash back on Dining
- +No annual fee
Compare the Top Picks
Earn 3 ways on one dinner
Your card's dining rate, a dining program you link it to, and the reservation perks it unlocks. The dining map shows all three, restaurant by restaurant.
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Discover it® MilesDiscover | 1.5x Cash Back Rewards All Other | 1.5¢/$ | $0 | discover |
| Discover it® Student ChromeDiscover | 2% cash back Dining | 1.3¢/$ | $0 | discover |
| Discover it® ChromeDiscover | 2% cash back Dining | 1.3¢/$ | $0 | discover |
| NHL® Discover it® Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Balance TransferDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® Secured Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Student Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
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