Nearly everyone has a credit card. In fact, according to a recent study, 78% of American adults have at least one. And while there are many different types of credit cards available, not all of them are right for everyone. So how do you choose the right one? 

What is Discovery Credit Card?

Tired of paying annual fees for your credit card? Discover credit cards come with great benefits like cash back and miles, so you can choose the best reward credit card for you. Discover also has a no-annual fee policy, so you don’t have to worry about hidden fees. Discover is committed to giving you the best credit card experience possible, without any catches. 

Here are seven types of Discovery credit cards to help you pick the right one for your needs.

Discover Credit Cards Comparison

Determining which card is best for you may depend in part on your citizenship status and non-US credit history. 

A secure card might be appropriate, for instance, if you are a permanent resident with a social security number but no credit history. They are also popular with US citizens building credit for the first time. Alternatively, a person studying in the United States on a student visa can qualify for a student credit card.

Cash Back Credit Card

The Discover Cash Back Credit Card is the perfect way to earn rewards on your everyday purchases. With 5% cash back at different places each quarter, up to the quarterly maximum, you can earn unlimited 1% cash back on all other purchases. Plus, Discover will automatically match all the cash back you’ve earned at the end of your first year!

Student Cash Back Credit Card

If you’re a student looking for a cash-back credit card, look no further than the Student Cash Back Credit Card from Discover. This is the Discover credit card for beginners. You’ll automatically earn 5% cash back on everyday purchases at various locations each quarter, up to the quarterly maximum when you activate, plus unlimited 1% cash back on all other purchases. There’s also 0% intro APR for 6 months on purchases, so you can make your big purchases without worry. 

Discover it® Secured Credit Card

You can raise your credit score and earn cash back on purchases when you use the Discover it Secured Credit Card. Up to $1,000 in combined gasoline and restaurant expenditures per quarter are eligible for 2% cash back; all other purchases are eligible for unlimited 1% cash back. Additionally, you can help build your credit history by using it responsibly.

Student Chrome Credit Card

Are you trying to find a credit card that rewards you for your purchases? Discover’s Student Chrome Credit Card is the best choice for college students who want to get cash back on their regular purchases. You can simply earn cash back on the things you already buy thanks to the unlimited 1% cash back on all other transactions and the 2% cash back at petrol stations and restaurants.

Credit Card for Travel

Introducing the perfect travel credit card for anyone who wants to earn unlimited rewards. With Discover it® Miles, you can earn 1.5x Miles on every dollar of every purchase, and there is no annual fee or limit to how many rewards you can earn. Plus, as a new card member, you’ll automatically receive a Discover Match® bonus equal to all the Miles you’ve earned at the end of your first year. So whether you’re booking airfare, hotels, groceries, or online shopping, you’ll be racking up rewards faster than ever.

Gas and Restaurant Credit Card

Looking for a card that rewards you for your everyday spending? Discover it® Cash Back gives you 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% cash back on all other purchases.

NHL Credit Card

Earn 5% Cash Back at various locations each quarter, up to the quarterly maximum, when you activate. In addition, earn an unlimited 1% Cash Back on all other purchases. 

What you need for your application

The application process is almost the same regardless of your citizenship status. In many cases, you can complete and submit your application online in minutes.

• Name and date of birth
• US address
• Contact address
• SSN or ITIN
• Citizenship status
• Country of Citizenship
• Employment status and income
• Monthly housing expenses
• Whether you have a bank account
• If you are applying with a foreign passport, you may need your passport number and visa information. Also, you probably won’t be able to apply online.

After submitting your application, you may receive a response within minutes. If your application is not approved immediately, you can call your credit card issuer and ask why. Your application may have been rejected. In this case, you can try to apply for the Discovery credit card. Alternatively, more details or supporting documentation might be needed before a business can decide. 

Conclusion

With so many credit card options available, it can be hard to know which is right. But by taking into account your spending habits and financial goals, you can find the perfect Discovery credit card for your wallet. Whether you’re looking for cash-back rewards or points that never expire, there’s a Discovery credit card out there that’s tailor-made for you. 

Now that you know a little more about the different types of credit cards available, it’s time to start comparing and contrasting them to find the one that best meets your needs. If you need help getting started or have questions, our team of experts is always here to help. Give us a call or stop by our website for the newest credit card information! Start browsing through our credit card selections today and find the right fit for your lifestyle.