How to Earn Points and Miles for Free Travel
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Details
- Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
- Plus, 1% cash back on all other purchases. Terms Apply.
- No annual fee.
- No penalty APR.
- Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
- No cash back expiration. Redeem your rewards in any amount, at any time.
- Free monthly access to FICO® Score.
- Freeze it® on/off switch option for your account protection.
- Fraud monitoring and protection.
Pros
High Cash Back rate
No Annual Fee
No Penalty APR
0% purchase intro APR
FICO® Credit Score for free
Cons
Good to excellent credit score required
No signup bonus
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Gas
2% cashback
limited to $1,000
spending per quarter
Dining
2% cashback
limited to $1,000
spending per quarter
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
14 months
Balance transfer regular apr
13.99-24.99%
variable
Balance transfer fee
3%
Rates and fees
Purchase regular apr
13.99-24.99%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Return payment fee
up to
$37
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