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Making Your Finances Work Harder For You
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[Getting Your First Credit Card
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[Paying off student loans vs. saving money: which takes priority?
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[Products](#products-panel)
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Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cash back credit cards to our flexible card for travel. [Compare credit cards](https://www.discover.com/credit-cards/compare/) to find which offer is right for you. Use our interest calculator to estimate your monthly payment.Â
* ### New to Credit?
If you have no credit history or have struggled with your credit in the past, the Discover it Secured Card might be a good card for you. And if you're a student with no credit history, [compare](https://www.discover.com/credit-cards/compare/)Â our Discover student cards with cash back rewards.
* ### Cashback Checking
Other banks charge for checking but we reward you. Check out our [online checking account](https://www.discover.com/online-banking/checking-account/?ICMPGN=CHK_FOOTER_ONLCHK_TXT) with no monthly fees or balance requirements. Open a checking account today.
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Open a high-interest, no-monthly fee [online savings account](https://www.discover.com/online-banking/savings-account/?ICMPGN=SAVACCTS_FOOTER_OSA_TXT). Learn more about online savings or see how a [savings account calculator](https://www.discover.com/online-banking/savings-account/?ICMPGN=PUB_FOOT_CALCSAV_BTN#SavingsCalculator) can help you reach your financial goals.
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Learn more about [how CDs grow savings](https://www.discover.com/online-banking/banking-topics/certificates-of-deposit-combine-growth-and-safety/?ICMPGN=CD_FOOTER_CDS_GROW_TXT) safely, or open a [CD account](https://www.discover.com/online-banking/cd/?ICMPGN=CD_FOOTER_CDACCT_TXT) today and lock in a great rate with terms ranging from 3 months to 10 years.
* ### Balance Transfers
Making a [balance transfer](/credit-cards/balance-transfer-credit-cards/) is a great way to save money on higher interest debt. See all the ways we can help you achieve your [debt consolidation goals](https://www.discover.com/personal-loans/debt-consolidation/).
* ### Personal Loans
A [personal loan](https://www.discover.com/personal-loans/?ICMPGN=PUB_FTR_DPL) from Discover of up to $40k can help you consolidate higher-interest debt or afford a large purchase. $0 origination fees, a fixed monthly payment and no prepayment penalty. Estimate your payments today with our [personal loan calculator.](https://www.discover.com/personal-loans/personal-loan-calculator/?ICMPGN=PUB_FTR_DPLCALC)
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With loan amounts starting at $35,000, and no costs required at closing, a [home equity loan](https://www.discover.com/home-loans/home-equity-loan/?sc=HC541&ICMPGN=FTR_PRODUCTS_HOME_LOAN) or a [mortgage refinance](https://www.discover.com/home-loans/refinance/?sc=HC542&ICMPGN=FTR_PRODUCTS_HOME_LOAN) from Discover is a simple way to consolidate debt, make home improvements, cover college costs, and pay for other major expenses. Use our [rate and payment calculator](https://www.discover.com/home-equity-loans/monthly-payment-calculator/?sc=HC543&icmpgn=GTWY_FOOTER_DHECALC) to estimate your monthly payment.
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Discover no longer offers or services student loans. Please refer to our [Servicing Transfer FAQs](https://www.discover.com/student-loans/) for any questions or contact [Firstmark Services](https://secure.firstmarkservices.com/Account/Login?ReturnUrl=%2f) directly.
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