This is going to be the home of all the data points and information we can possibly gather from all over the internet on Discover. Discover is a very popular card and with the 0% balance transfer options they offer can be quite good to get. If you are starting out with no credit or rebuilding credit this card will either not approve you or will start you out at a $750-$1500 limit in which case if you use and pay down to low/no balance each month then you can work yourself up with CLIs.

Discover Credit Card Datapoints

• You can check to see if you pre-qualify for a Discover IT card here.
• They hard pull Experian when you submit your application
• Discover only allows 2 cards per person max
• You have to wait at least 1 year before applying for your 2nd card
• First cards are usually lower limits then 2nd cards
• Soft pull on CLIs
• Its better to call in to get CLI and talk to a manager to get best offer
• Discover offers personal loans which are a solid product and no HP till offer accepted (had great personal experience with them)
• They offer a secured credit card with does graduate after 7-8months
• Business credit cards report to your personal profile.

Video: Discover Credit Cards Review

Discover Secured Credit Card

Discover does offer a secured credit card which graduates in as little as 7 months if you treat the card correctly which similar to many banks Discover wants to see you using the card and then paying it down to a low/no balance before statement dates.

Here is a shot from Discovers website about the Secured credit card.

Discover Consumer Credit Cards

	Credit Card	Signup Bonus	Regular APR	Cashback	Annual Fee	Datapoints
	DiscoverIT Balance Transfer Credit Card	18 months 0% APR on BTs Unlimited CB match for 1st 12 months	11.99% – 22.99%	5% CB on rotating categories (up to $1500 quarterly, then 1%)1% all other	$0	800/$15,000
	DiscoverIT Cash Back Credit Card	0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until February 10, 2022. Unlimited CB match for 1st 12 months	Then 11.99% - 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.	5% CB on rotating categories (up to $1500 quarterly, then 1%)1% all other	$0	647/$750 716/$12,000 640/$500
	DiscoverIT Student Cash back Credit Card	0% Intro APR for 6 months on purchases. $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years	12.99% - 21.99%	5% CB on rotating categories (up to $1500 quarterly, then 1%)1% all other	$0
	DiscoverIT Student Chrome Credit Card	0% Intro APR for 6 months on purchases. Unlimited CB match for 1st 12 months	12.99% - 21.99%	2% CB gas stations/restaurants up to $1k per quarter 1% CB all other	$0
	DiscoverIT Travel Credit Card	0% Intro APR for 14 months on purchases. Unlimited CB match for 1st 12 months	11.99% - 22.99%	Unlimited 1.5x miles per $1 spend	$0
	DiscoverIT Gas & Restaurants Credit Card	0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until February 10, 2022. Unlimited CB match for 1st 12 months	Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.	2% CB gas stations/restaurants up to $1k per quarter 1% CB all other	$0
	Discover NHL Credit Card (any team)	0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until February 10, 2022. Unlimited CB match for 1st 12 months	Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.	5% CB on rotating categories (up to $1500 quarterly, then 1%)1% all other	$0
	DiscoverIT Secured Credit Card	0% Intro APR for 6 months on purchases	22.99%	2% CB gas stations/restaurants up to $1k per quarter 1% CB all other	$0

Discover Business Credit Cards

Similar to the Spark business cards from Capital one (not all Spark cards report to your personal credit), the Discover IT business card reports to your personal credit. This is really bad because first off a business will go through more money than an individual so by using the full amount of the card, it will destroy your personal credit score as it will send your utilization through the roof. There are better options out there for business cards, this is pretty low on the list in terms of value.

	Credit Cards	Signup Bonus	Regular APR	Cashback	Annual Fee	Datapoints
	Business Credit Card	0% Intro APR for 12 months on purchases Unlimited CB match	12.99% to 20.99%	1.5% unlimited	$0