Your roadmap to
simplified finances
Here’s how to tap into the many benefits they have to offer.
The obstacle
Often, people don’t know simple ways to use their credit card in a way that boosts their financial bottom line.
Credit cards are a simple way to purchase both everyday items like gas and groceries, as well as big ticket buys like travel. They also give you the chance to enhance your overall money management, allowing you to earn rewards on everyday purchases.
“The world's wealthiest and savviest people use credit cards to get extra value and flexibility out of their purchases,” said Grant Sabatier, co-founder of BankBonus and author of the book Financial Freedom, A Proven Path To All The Money You Will Ever Need.
Our simplified approach
Choosing a credit card like Discover shouldn't be a hassle. Discover helps consumers get straight to the point by avoiding confusing financial jargon, allowing you to spend smarter. And to add, when using a Discover credit card, you can still receive rewards without the worry of incurring any annual fees.* No annual fees mean more money in your pocket. It’s that simple.
Discover is the only major credit card that doesn’t have an annual fee on any of its cards* — meaning you won’t get blindsided with steep annual fees just for using the card.
GUESS WHAT
Of the credit cards that charge an annual fee — which no Discover credit card does* — the average fee is
almost $
.1
Of the credit cards that charge an annual fee — which no Discover credit card does* — the average fee
Of the credit cards that charge an annual fee — which no Discover credit card does* — the average fee is
3 ways to become a smarter
credit card user
-
Choose a card with no annual fee — like every Discover credit card.* Paying a credit card annual fee won't guarantee a higher credit limit — and Discover believes you don’t need yearly fees to offer generous rewards and benefits.
The correct answer is:
-
Avoid unmanageable debt that can negatively impact your credit score and lead to significant stress in your life. But don’t be afraid of credit cards. A credit card that has no annual fee,* like all Discover cards, means more of your money stays in your pocket — that’s more money to spend smartly.
-
Look into your credit card’s rewards so you’re not leaving money on the table. Take some time to analyze your spending, then find a card or cards that offers the best reward — for example, points or cash back — for the categories you spend the most on.
GUESS WHAT
Only 1 in high-schoolers get a semester-long financial education class of some kind.2
high-schoolers get a semester-long financial education class of some kind.2
semester-long financial education class of some kind.2
“[Credit card education] isn’t taught in most schools, and many consumers don't take the extra time required to learn how to best use credit cards,” said Sabatier.
HOW TO BECOME A SMARTER
CREDIT CARD SPENDER
Want to become a smarter credit card spender — and tap into the benefits that Discover credit cards have to offer, like no annual fee?* Here’s what you need to know.
What is a
no-annual fee card?
A “no annual fee” credit card is
one that does not charge a yearly
fee simply for the convenience of
having the card.
What is the
average annual fee
for cards that
charge one?
Of the cards that
charge an annual fee,
the average fee is
almost $110.1
Where can I get a
no-annual fee card?
At Discover, every
credit card has no
annual fee.*
By choosing a credit card that offers the right advantages for you, you’ll make the best of this extremely valuable financial tool.
The correct answer is:
