How to Earn Points and Miles for Free Travel
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Details
- No annual fee.
- 0% intro APR for 18 months on balance transfers.
- Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
- Plus unlimited 1% cash back on all other purchases.
- Only Discover automatically matches all the cash back you've earned at the end of your first year.
- Your cash back never expires. Redeem in any amount, at any time.
- Freeze It® on/off switch for your account.
- 100% U.S.-based customer Service.
- View your FICO® Credit Score for free.
Pros
No annual fee
No foreign transaction fee
Low balance transfer intro APR
5% cash back
Cons
Has balance transfer fee
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Gas
5% cashback
limited to $1,500
spending per quarter
Dining
5% cashback
limited to $1,500
spending per quarter
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
18 months
Balance transfer regular apr
13.99-24.99%
Balance transfer fee
3%
Rates and fees
Purchase regular apr
13.99-24.99%
Cash advance apr
26.99%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Late payment fee
up to
$37
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