What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

DiscoverSecured

Discover it Secured

Cash back card from Discover

No annual fee

Build credit with a secured card
2% at gas stations and restaurants
Cashback Match doubles first year rewards
No annual fee
Automatic reviews for upgrade to unsecured

Welcome Bonus

$100 value

Cashback Match - first year doubled

Credit Needed

Building (<580)

Personal card

APR

28.49%–28.49%

Variable APR

Foreign Transaction Fee

None

Great for international travel

Base Reward Rate

On all other purchases

Rewards Structure

Category	Rate	Details
Dining	2%	—
Gas	2%	—
Everything else	1%	Base rate on non-bonus spending

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Discover it Secured right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

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More cards from Discover

Discover it Cash Back

No annual fee | $150 bonus

Discover it Student Cash Back

No annual fee | $50 bonus

Discover it Miles

No annual fee | $0 bonus