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.
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Fair to Good
Benefits & Perks
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.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Details & Terms
| Purchase APR | 16.49%–25.49% (Variable) |
| Cash Advance APR | 18.24%–27.24% (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 |
| $0 |
| Discover It Secured | entry | $0 |
Product changes available between family members without a new credit inquiry.
| Issuer Page |
| Issuer Page: Earn rates |
| Issuer Page | Issuer Page |
| Issuer Page | Issuer Page: Apr |
| Issuer Page | Issuer Page |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
