CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 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
Discover
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Discover it Cash BackDiscover | 5x Cashback | 1.5¢/$ | $0 | — | discover |
| NHL® Discover It®Discover | 5x points | 1.3¢/$ | $0 | — | discover |
| Discover it Student Cash BackDiscover | 5% cash back | 1.5¢/$ | $0 | — | discover |
| Discover it® ChromeDiscover | 2x Cashback | 0.5¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Top Discover cards ranked by earn rates and total value.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Discover
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Discover it Cash BackDiscover | 5x Cashback | 1.5¢/$ | $0 | — | discover |
| NHL® Discover It®Discover | 5x points | 1.3¢/$ | $0 | — | discover |
| Discover it Student Cash BackDiscover | 5% cash back | 1.5¢/$ | $0 | — | discover |
| Discover it® ChromeDiscover | 2x Cashback | 0.5¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Top Discover cards ranked by earn rates and total value.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Discover
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Discover it Cash BackDiscover | 5x Cashback | 1.5¢/$ | $0 | — | discover |
| NHL® Discover It®Discover | 5x points | 1.3¢/$ | $0 | — | discover |
| Discover it Student Cash BackDiscover | 5% cash back | 1.5¢/$ | $0 | — | discover |
| Discover it® ChromeDiscover | 2x Cashback | 0.5¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Discover
| Discover it® Secured Credit CardDiscover | 2% cash back | 0.5¢/$ | $0 | — | discover |
| Discover it® Chrome Gas & RestaurantDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® Student ChromeDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® MilesDiscover | 1.5x Cashback | 0.4¢/$ | $0 | — | discover |
| Discover it Balance TransferDiscover | 1% cash back | 0.3¢/$ | $0 | — | discover |
Discover
| Discover it® Secured Credit CardDiscover | 2% cash back | 0.5¢/$ | $0 | — | discover |
| Discover it® Chrome Gas & RestaurantDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® Student ChromeDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® MilesDiscover | 1.5x Cashback | 0.4¢/$ | $0 | — | discover |
| Discover it Balance TransferDiscover | 1% cash back | 0.3¢/$ | $0 | — | discover |
Discover
| Discover it® Secured Credit CardDiscover | 2% cash back | 0.5¢/$ | $0 | — | discover |
| Discover it® Chrome Gas & RestaurantDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® Student ChromeDiscover | 2x points | 0.5¢/$ | $0 | — | discover |
| Discover it® MilesDiscover | 1.5x Cashback | 0.4¢/$ | $0 | — | discover |
| Discover it Balance TransferDiscover | 1% cash back | 0.3¢/$ | $0 | — | discover |