Discover it Secured
Credit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND gets Discover's year-one Cashback Match — the only secured card that does all four.
90 / 100
Canon
Discover Credit Cards
Discover's customer service ranks #1 in CFPB complaint data per 100k holders. The Cashback Match year-1 doubler is honest and load-bearing; the rotating-category structure rewards engagement.
Discover it Cash Back
First-card or rebuild-tier readers who want a $0 AF card with rotating 5% categories and Discover's year-one Cashback Match. Customer service is the best in the industry.
88 / 100
Solid pick
Discover it Student Cash Back
College students with limited or no prior credit who want the strongest year-one return on a no-fee card — 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else, no foreign transaction fee, and Discover's year-one Cashback Match doubling everything earned.
88 / 100
Solid pick
Discover it Balance Transfer
Existing Discover it Balance Transfer cardholders keeping the card for its 5% rotating quarterly categories (up to $1,500/quarter, activation required) and 1% on everything else, at a $0 annual fee. Discover stopped accepting new applications for this card (confirmed via Credit Karma, updated 2026-07-16, and corroborated by NerdWallet and Bankrate), so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today.
85 / 100
Solid pick
Discover it Miles
First travel-card holders who want simplicity — a flat 1.5x miles on everything, no annual fee, no foreign transaction fee, and Discover's year-one Miles Match that doubles all miles earned, effectively making year one a 3x card.
83 / 100
Solid pick
Scored against our published methodology. See methodology and disclosure.