Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Poor to Good
Benefits & Perks
Complete protection from fraudulent charges—you're not responsible for any unauthorized use of your card
Control your card security with instant freeze/unfreeze through the Discover app—stop fraudulent transactions immediately
Details & Terms
| Purchase APR | 18.24%–28.24% (Variable) |
| Cash Advance APR | 18.24%–28.24% (Variable) |
| Foreign Transaction Fee | $0 |
Discover family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Discover It Cashback | entry | $0 | |
| Discover It Student Cashback | entry | $0 | |
| Discover It Chrome | entry |
Reviews & Analysis
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Discover Official | — | Discover Official |
| RewardsCC API | — | RewardsCC API |
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Track your credit score for free every month with detailed explanations of what impacts your score
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
| $0 |
Product changes available between family members without a new credit inquiry.
| Issuer Page |
| Issuer Page |
| Issuer Page | Issuer Page |
| Issuer Page | Issuer Page |
