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
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
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
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 | $0 |
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
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
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
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 | $0 |
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
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
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
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 | $0 |
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Product changes available between family members without a new credit inquiry.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Product changes available between family members without a new credit inquiry.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Product changes available between family members without a new credit inquiry.
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.