The best Discover credit cards of 2021

This page includes information about the Discover it® Miles, Discover it® Secured, Discover it® Cash Back, Discover it® Student Cash Back, and Discover it® Business Credit Card products, which are currently not available on Business Insider and may be out of date.

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The best Discover credit cards:

  • Best for travel: Discover it® Miles
  • Best for cash back: Discover it® Cash Back
  • Best for students: Discover it® Student Cash Back
  • Best secured option: Discover it® Secured
  • Best for business: Discover it® Business Credit Card

Discover offers a wide range of credit cards for different types of consumers, and its cards have a lot going for them.

For starters, Discover credit cards never come with an annual fee, and Discover is well known for its US-based call centers. Due to the quality of its customer service and the entire cardholder experience, Discover even beat out all other card issuers in J.D. Power's 2019 US Credit Card Satisfaction Study, which considered the experiences of more than 28,000 credit card customers across the nation.

Some Discover credit cards even waive your first late payment fee, and many offer identity protection perks like Social Security number monitoring and free overnight card replacement in the event your card is lost or stolen. Discover rewards credit cards also make things easy by letting you redeem for cash back at any time you want, and in any increments you want. And as a Discover cardholder, you get free access to your FICO score.

If you're in the market for a Discover credit card and you're wondering which one might suit your needs best, you'll need to consider what you hope to gain and the type of customer you are. 

One caveat about Discover cards

Before we dive in, you'll need to keep something in mind about Discover rewards credit cards. Instead of offering a traditional sign-up bonus like many other card issuers, Discover doles out bonus rewards in a different way.

Through its Cash Back Match program, Discover will match all the rewards you earn the first year once 12 months are up. This is a delayed sign-up bonus of sorts, but you have to remember that you have to wait a full year to receive your bonus rewards. Also note that there is no limit to the rewards you can earn with your card, and no limit to the amount Discover will match after your first year.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best Discover card for travel

Discover it® Miles

Discover Discover it® MilesDiscover Discover it® Cash BackDiscover Discover it® Student Cash BackCiti Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Chase Marriott Bonvoy Boundless™ Credit CardChase Chase Freedom Unlimited®

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