Rewards

Cash Back

1. Earn 5% cashback at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum.
2. Unlimited 1% cashback on all other purchases — automatically.

No Annual Fee

Enjoy all of the features of this card with no annual fee.

Redeem with Ease

Your cashback never expires. Redeem your rewards in any amount, at any time.


Costs

Purchase Intro APR 

0% for 14 months

Transfer Intro APR

0% for 14 months

Regular APR

13.49% - 24.49% (V)

Annual Fee

$0

Foreign Transaction Fee

$0


Application

You can apply for a card on Discover its official website.


Payment

Online

You can pay directly online, using the Discover Card Account Center.

By the phone

f you prefer to pay by phone, you can do so any time by calling 800-DISCOVER. You can also pay using your mobile phone after you register to make online payments through the Discover Account Center. Mobile phone payments use your Account Center login and password.

By mail

You can send your payment to Discover Financial Services, P.O. Box 6103, Carol Stream, IL 60197-6103. Write your full Discover account number on your check and never send cash.


Customer Services

Phone

1 (800) 347-2683

Discover it® Cash Back

From good To exceptional ( Credit Recommended 700-850 )

Discover it® Cash Back

The Discover it Cash Back is the flagship of the Discover it cards, with the cashback match at the end of your first year. Its 5% cashback feature is for rotating categories up to $1,500 each quarter after activation.

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pros and cons

Cashback match at the end of your first year.

Bonus cash back categories.

No annual fee.

Intro APR period on Purchases and Balance Transfers.

Cashback match at the end of your first year.

Bonus cash back categories.

No annual fee.

Intro APR period on Purchases and Balance Transfers.

Cost

Annual Fee

$0

Purchase APR

13.49% - 24.49% (V)

Foreign Transaction Fee

$0

Cash Back

5%

Credit Score

700-850

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

Related Credit Card/Article

As far as no annual fee cash back cards go, the Discover it® Cash Back ranks among the best. You’ll get 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter (then 1%; activation required). And Discover will double that for your first year! There’s also a solid 0% introductory APR for purchases and balance transfers.
Discover it® Cash Back
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Discover it® Miles is a very good travel rewards credit card, especially the first year. Instead of giving new cardholders a few hundred dollars in rewards for spending thousands within a few months of opening an account, as is common with some of the best rewards cards, Discover it Miles doubles all the miles you earn the first year as an anniversary gift.
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The Discover it® Balance Transfer card is an elite 0% interest credit card for people with good credit or better. It offers 0% for 18 months on balance transfers and 0% for 6 months on new purchases, followed by a regular APR of 13.49% - 24.49% (V), depending on creditworthiness. The balance transfer fee is 3% intro (5% after), but like all other Discover credit cards, Discover it® Balance Transfer has no annual fee and no foreign transaction fee.
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This Discover student credit card gives 1% - 5% cashback on purchases and features both a $0 annual fee and a 0% foreign transaction fee. Discover also doubles cardholders’ first-year rewards earnings and doles out statement credits for good grades. As a result, the Discover it® Student Cash Back card is in the top tier of credit cards for college students with limited credit. But it’s not for everyone.
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If you are on the go, the Discover it® Student chrome may be a better option for you. It will allow you to earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter. No sign-ups or activation here. You simply shop and earn cashback. All other purchases will earn a 1% cash back automatically.
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