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.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$2,400
Annual Fee
-$0
Net Annual Value
+$2,400
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$2,400
Annual Fee
-$0
Net Annual Value
+$2,400
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$2,400
Annual Fee
-$0
Net Annual Value
+$2,400
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.