The best Discover credit cards of September 2021

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The best Discover credit cards of September 2021:

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.

Read more: The best no-annual-fee credit cards of 2021

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.

Best for travel: Discover it® Miles

The Discover it® Miles keeps things simple by letting you earn a flat 1.5 miles for each dollar you spend, but remember that all your miles will be matched after the first year. From there, you can redeem them for travel purchases charged to your card at a rate of 1 cent per point.

Read more: Discover it Miles credit card review

You can also get cash back or statement credits to cover other charges made to your card, so you aren't tied down to making a specific redemption. There is no annual fee to keep this card, and you can get access to your FICO score for free on your monthly statements.

Read more:

• Chase Freedom Unlimited vs Discover it Miles: Which rewards credit card is best for you?

Best for cash back: Discover it® Cash Back

The Discover it® Cash Back is similar to the Chase Freedom Flex℠ in that it lets you earn 5% cash back on up to $1,500 spent each quarter in bonus categories once activated (then 1%) Discover It Cashback rotation.

Read more: Discover it Cash Back credit card review

Discover has already shared all of its bonus categories for 2021, which include grocery stores, Walgreens, and CVS (January to March), gas stations, wholesale clubs, and select streaming services (April - June), restaurants and Paypal (July - September), and Amazon.com, Walmart.com, and Target.com (October - December).

Read more:

• Discover it Cash Back vs Chase Freedom Flex: How to decide which cash-back credit card is best for you

Best for students: Discover it® Student Cash Back

The Discover it® Student Cash Back is basically a student version of the Discover it® Cash Back. You'll earn the same 5% cash back on up to $1,500 spent in rotating quarterly bonus categories after activation, then 1%. You'll also earn 1% cash back on everything else you buy Discover It Cashback rotation.

Read more: Discover it Student Cash Back card review

It may be easier to qualify for this card with limited credit history. You can also receive a $20 statement credit each school year your GPA is 3.0 or higher for up to five years in a row.

Best secured option: Discover it® Secured

Where many secured credit cards charge annual fees, application fees, and other fees, the Discover it® Secured doesn't charge any fees. You do have to put down a cash deposit to get started, but your deposit is fully refundable provided you close your account in good standing.

Read more: Discover it Secured credit card review

You'll also Discover it® Secured, as well as 1% back on everything else you buy. Like other rewards from Discover, you can earn unlimited cash back that never expires, and you can redeem it for cash back, statement credits, and gift cards.

You can get free access to your FICO score on your credit card statement each month, which can help you monitor and improve your credit over time. Further, you won't pay a late fee on your first late payment, and there aren't any over-the-limit fees with this card, either. Automatic reviews start at eight months to see if Discover can transition you to an unsecured line of credit and return your deposit.

Best Discover card for business: Discover it® Business Card

The Discover it® Business Card is a solid option if you're looking for a business credit card without an annual fee. You'll earn 1.5% cash back for each dollar you spend, as well as a FICO score on your credit card statement each month.

Read more: Discover it Business card review

Perks for your business include business expense tracking assistance and free employee cards. You also get free Social Security Number alerts that can help you protect your identity, as well as a $0 fraud liability guarantee.