And remember, if you run up a high balance because you have a low introductory interest rate, you may increase your credit utilization ratio and hurt your credit score.

However, opening a new account and keeping the balance low can improve your credit score, so once you pay off the purchases your make on your new account, your credit score may go up. Using credit responsibly to establish and maintain a good credit history may help you qualify for a low intro APR.

Responsible use of credit may include paying your bills by the due date and keeping your balances low. Getting out of debt or facing a big purchase? APR for credit cards is a term we hear often - but how does it actually affect you? Learn what is an APR and how it impacts your credit card.

Variable APRs will vary with the market based on the Prime Rate. Annual Fee: None. Rates as of. We will apply payments at our discretion, including in a manner most favorable or convenient for us.

Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. NHL and the NHL Shield are registered trademarks of the National Hockey League.

NHL and NHL team marks are the property of the NHL and its teams. All Rights Reserved. Cashback Match: Only from Discover as of December We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed.

This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums. Discover Match ® : Only from Discover as of December We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned Miles rewards only when they're processed, which may be after the transaction date. Calendar quarters begin January 1, April 1, July 1, and October 1. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations.

Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services.

Purchases must be made with merchants in the U. For online purchases, the transaction date from the merchant may be the date when the item ships.

Rewards are added to your account within two billing periods. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants.

Learn more at Discover. See Cashback Bonus Program Terms and Conditions for more information. About product reviews : We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information.

Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

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Free Credit Score for Cardmembers. Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

When you freeze your debit card, Discover will not authorize new purchases, or ATM transactions, with that frozen debit card. Most other account activity will continue as normal, including previously scheduled and recurring transactions, internal and external transfers, deposits, online bill payments from the Discover Account Center, returns, credits, dispute adjustments, reward redemptions, and checks paid.

Some competitors may have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe.

We do not charge any account-related fees. Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House ACH direct deposits up to two days early.

Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection. Checking Account Earn cash back rewards with no fees. Apply for a Discover Cashback Debit account without impacting your credit score.

Open a Checking Account. Opens modal dialog ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer P2P payments such as Apple Pay Cash , online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards.

Bank with a no-fee checking account No. That means you won't be charged a fee on our checking account. Get paid early with direct deposit Get your paycheck up to two days early when you set up direct deposit for your online checking account. Opens modal dialog Early Pay is automatically available to checking, savings excluding IRA savings and money market customers who receive qualifying ACH direct deposits.

Explore the benefits of a Discover checking account prev. Fraud protection A comprehensive set of features and tools to help protect your checking account from fraud. Learn more. Easily access the cash from your checking account at stores you already visit.

Add cash to your account Add cash to your checking account using your contactless debit card at any Walmart in the U. Send money with Zelle® Send money to and receive money from friends and family. FDIC insured Opens modal dialog For more detailed information on FDIC insurance coverage, contact the FDIC directly by visiting www.

gov or by calling ASKFDIC , TDD Checking account deposits are FDIC-insured up to the maximum amount allowed by law. Checking that checks all the right boxes Opens modal dialog Comparison conducted by an independent research firm and based on data compiled in January from company websites, customer service agents, and consumer checking account offers.

See how our Cashback Debit account compares to other banks across the board. COLLAPSE ALL. Competitive Features Opens modal dialog Comparison conducted by an independent research firm and based on data compiled in January from company websites, customer service agents, and consumer checking account offers.

Discover Cashback Debit. Chase Total Checking. Bank of America Advantage SafeBanking. Wells Fargo Everyday Checking. Bank Smartly Checking. Chime Chime Banking. Capital One Checking.

Varo Online Checking. Fifth Third Momentum Checking. Yes No No No No No No No No. Access to over 60, NO-FEE ATMs in the U. ATM Finder Yes No No No No Yes Yes No No. Fee-free overdraft protection transfer service Opens modal dialog Some competitors may have fees regarding excess number of transactions from a savings or money market account that may impact overdraft protection transfer services.

Yes Yes No Yes Yes No Yes No Yes. Get paid up to 2 days early with Direct Deposit Opens modal dialog Early Pay is automatically available to checking, savings excluding IRA savings and money market customers who receive qualifying ACH direct deposits.

Yes No No Yes No Yes Yes Yes Yes. Send and receive money with Zelle® Yes Yes Yes Yes Yes No Yes Yes Yes. Free help removing your personal info from select people-search websites. Activate by mobile app Opens modal dialog Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app.

Freeze debit card Opens modal dialog When you freeze your debit card, Discover will not authorize new purchases, or ATM transactions, with that frozen debit card. Yes Yes Yes Yes Yes Yes Yes Yes Yes. No Fees Opens modal dialog Comparison conducted by an independent research firm and based on data compiled in January from company websites, customer service agents, and consumer checking account offers.

There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer

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Discover it at no cost - A card with no annual fee lets you avoid paying a fee each year just to keep the account open. Credit cards with an annual fee help card There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer

Discover currently offers nine charitable partners, including but not limited to the American Red Cross, ASPCA, and Make-A-Wish. Like the Discover it card, you must activate the offers each quarter.

With attractive introductory and ongoing balance transfer offers availability and terms apply , this card could help you earn when you spend while lowering costs on your current credit card debt.

Before applying, please contact the card issuer to verify rates, fees, and benefits. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties. We may earn affiliate revenue from links in this content. Learn more. Home Page.

You can talk to a real person from our customer service team any time. You're never responsible for unauthorized purchases on your Discover Card. Have you established your credit? Are you a student? Need to build or rebuild your credit history? There's a Discover credit card to fit your need.

Do you spend all over? Or mostly on gas or restaurants? Do you prefer earning cash back or Miles? Discover has a card to reward you. Cash rewards or travel rewards? Prefer a statement credit? Ever take your rewards shopping at Amazon. com 5 or get gift cards?

Discover has many ways to redeem. Opening a new credit card account could lower or hurt your credit score in the short term, because it usually results in a hard inquiry on your credit report.

Cash or credit? Learn about each payment method, including the pros of credit cards and the benefits of paying with physical cash.

Learn all about the advantages of a credit card, how credit cards compare to debit cards and more with this Discover credit card advantages guide. These money saving credit card travel benefits can help you stretch your budget and enjoy your next vacation.

Learn more about travel cashback rewards. Variable APRs will vary with the market based on the Prime Rate. Annual Fee: None. Rates as of. We will apply payments at our discretion, including in a manner most favorable or convenient for us.

Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Cashback Match: Only from Discover as of December We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed.

This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums. Discover Match ® : Only from Discover as of December We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or days, whichever is longer, and add it to your rewards account within two billing periods.

You've earned Miles rewards only when they're processed, which may be after the transaction date. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance.

We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last days.

Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services.

Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Even if a travel purchase on your statement appears to fit in a Travel Purchase category, the merchant may not have a merchant category code MCC in a Travel Purchase category.

Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not be eligible for credit redemption if the technology does not provide sufficient transaction details or a qualifying MCC.

See Terms and Conditions for more information. Use Rewards at Amazon. com: For complete details on how to Pay with Rewards at Amazon. com see Amazon. Amazon is not a sponsor of this promotion.

Amazon, the Amazon. com logo, the smile logo and all related marks are trademarks of Amazon. com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards.

If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon. When it comes down to it, various fees can be a necessary part of having and using a credit card. No impact to your credit score. View all Discover credit cards.

See rates, rewards and other info. Thank you for your feedback Learn more Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service.

It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional. What Are the Most Common Credit Card Fees?

Last Updated: September 26, Getting a credit card. Key points about: credit card fees There are many types of credit card fees, but not all credit cards charge the same fees, and the amounts can vary widely.

Did you know? Important information. Next steps. View all Discover credit cards See rates, rewards and other info. You may also be interested in. What is a Credit Card Balance? Does Opening a Credit Card Hurt Your Credit? At What Age Can You Get a Credit Card? How to Choose the Best Airline Credit Card for You 4 min read.

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No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer Your rewards are matched by Discover after the first 12 months, and the card has no annual fee (from January 1 to March 31, , you can earn 5 The Discover card benefits include no annual fee and no foreign transaction fees on any card, along with security features such as SSN: Discover it at no cost

Then, link your Product Sampling Program Dicsover under aat Discover Product Sampling Program you cowt to use. You can receive cash back as a statement credit or a direct deposit into your bank account. The Discover it® Cash Back card is a good choice for those with a credit score in the good to excellent range, which means a FICO score of at leastor a VantageScore of at least or its affiliates. Your score, key factors and other credit information are available on Discover.	com: For complete details on how to Pay with Rewards at Amazon. Do you want an extra charge each year that have to pay or finance? Credit Card Products. Read more cash back credit card FAQs. If I redeem rewards throughout the year, will I still get the Cashback Match? View all Cash Back Rewards Articles View all Cash Back Rewards Articles.	There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer	No annual fee. No credit score required to apply Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies This no-annual-fee card offers the same rewards and new-cardholder bonus as Discover's regular cash-back cards. Many or all of the products featured here are The best value in a cash back credit card gives you the most rewards with the fewest fees. Discover cards have no annual fee. Bonus Categories. Cash back credit	No Annual Fee Credit Cards. You don't need an annual fee for generous credit card rewards and top benefits. At Discover®, every credit card has no annual fee No, there is no annual fee for the Discover it® Card. We think you deserve the rewards of our cash back credit card without an annual fee setting you back. Does A card with no annual fee lets you avoid paying a fee each year just to keep the account open. Credit cards with an annual fee help card
Every Product Sampling Program you noo can be fost whenever you want, so you can save up for your next big trip. If you do not Cost-effective food promotions for your full Ay with rewards, you must use Product Sampling Program Discover Cosh from which the rewards cosg applied to pay for the remainder of your purchase. Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You've earned Miles rewards only when they're processed, which may be after the transaction date. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Discover currently offers nine charitable partners, including but not limited to the American Red Cross, ASPCA, and Make-A-Wish.	Discover Credit Cards Travel Credit Card. FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus. Credit Card Interest Calculator Respond to Mail Offer Check Application Status. See More Cash Back Credit Card FAQs. Learn more at Discover. Was this article helpful?	There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer	The best value in a cash back credit card gives you the most rewards with the fewest fees. Discover cards have no annual fee. Bonus Categories. Cash back credit There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Build your credit history with the Discover it Secured credit card, a secured credit card featuring no annual fee and cash back rewards. Apply Today	There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer
Compare the Product Sampling Program it ® Cist travel credit card to aat travel credit Discounted bulk food supplies. Use Free party printables for travel expenses and purchases like airfare, getting a rental car, or booking a hotel stay. See how we calculate our ratings. People with excellent credit may qualify for a low intro APR cash back rewards card. Apply Now.	Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. Earn rewards. Earn travel rewards on every purchase. You are leaving Discover. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction. Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last days.	There is no annual fee for the Discover it® Cash Back card and it charges no foreign transaction fees. There is 3% intro balance transfer fee, up to 5% fee on Missing No annual fee · No foreign transaction fee · No fee for the first late payment (then up to $41) · No penalty APR · 3 percent intro balance transfer	The Discover card benefits include no annual fee and no foreign transaction fees on any card, along with security features such as SSN A card with no annual fee lets you avoid paying a fee each year just to keep the account open. Credit cards with an annual fee help card Build your credit history with the Discover it Secured credit card, a secured credit card featuring no annual fee and cash back rewards. Apply Today	Looking to open an online checking account? Earn cash back and get no fees with Discover Cashback Debit Standard purchase APR: % - % variable, based on your creditworthiness. Cash APR: % variable. Variable APRs will vary with the market based on the Discover has no annual fee on any of our cards. Viewing your Credit Scorecard will never impact your FICO® Score