MoneyGeek's Take

Discontinued Review

Working professionals who are new to the United States or people who do not have credit history can benefit from the Discontinued. It comes with no annual fee and offers 1% cash back, with the ability to increase the reward to 6%.

Advertising & Editorial DisclosureLast Updated: 1/17/2023
Reviewed By     |  

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Discontinued credit card is an excellent choice for first-time credit card users with no credit history and those looking to build credit. For example, most people moving to the United States might struggle with setting up financial services. Discontinued takes the burden off them. United States residents with limited credit or no credit also find Discontinued beneficial. Plus, not paying an annual fee makes this card ideal for people with low income that want to earn cash back on purchases.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

Discontinued at a Glance

The Discontinued is intended for people who have just relocated to the United States and want to establish credit. It's a good option since migrants don’t need a Social Security number or credit score. However, cardholders must provide their SSN within 60 days. Discontinued also offers 1% cash back on all eligible purchases, and cardholders can earn as much as 6% cash back when they refer the card to a friend. Since there is no annual fee, the Discontinued allows people to build their credit for free.

  • Discontinued

    A great cash back card for those who wish to build their credit histories

    • None–GoodRecommended Credit
    • $0Annual Fee
    • 15.49% – 24.99% VariableAPR
    • 1%–6% Cash BackRewards Rate

Pros & Cons Explained

While the Discontinued credit card has several advantages that merit your consideration, it is also vital to consider its drawbacks.


  • Benefits
  • No annual fee
    You are not required to pay an annual fee to maintain this card.
  • Qualify with limited/no credit
    The Discontinued is suitable for those with no or little credit history. The basic concept of the card makes it appropriate for migrants on work visas or United States citizens with limited credit.
  • Reports regularly to credit bureaus
    Discontinued regularly reports to all three main credit bureaus: Equifax, Experian and TransUnion. This is an added benefit for individuals looking to establish a credit history.
  • Cash back rewards
    Discontinued gives 1% cash back on all eligible purchases, plus you may earn up to 6% cash back with referrals. You and the person you refer to the card are eligible for an extra 1% cash back for 12 months.
  • No security deposit is required
    Most card issuers require security deposits from people with no or little credit. Discontinued does not require a security deposit to open an account.


  • Drawbacks
  • Cash back is limited to 1% unless you refer a friend
    Unlike other cards, which provide many opportunities for cardholders to earn various cash back percentages by categories, Discontinued only gives a flat 1% cash back on all purchases; to earn more cash back you must refer others to the card every year.
  • Late fees on payments
    Discontinued charges late payment and returned payment penalties of up to $27.
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MoneyGeek analyzes cash back credit cards monthly using our credit card rating methodology to determine the best. The Discontinued is not one of our top-rated cash back credit cards despite its perks. You may review and compare our top-rated cash back credit cards to find the best option for you.

Bonuses & Rewards Explained

With the Discontinued cash back credit card, you receive 1% cash back on all transactions and up to 6% cash back if you refer others to use the card. For every referral, you get an additional 1% cash back for 12 months — the maximum you can refer in a year is five people. Discontinued cash back redemption occurs automatically.

Once you start using your Discontinued, you start earning cash back. After three months of on-time payments, you get your earned cash back automatically as a monthly statement credit.


Statement credit

Once you start using your Discontinued, you start earning cash back. After three months of on-time payments, you get your earned cash back automatically as a monthly statement credit.

Other Features Explained

MoneyGeek's free resources, updated regularly, may help you learn more about credit card terminology.

Other features of the Discontinued cash back credit card include:

  • Card Feature
  • Mastercard identity theft alerts
    Discontinued notifies you about suspicious activity and helps you get assistance in the event of identity theft.
  • Mastercard zero liability protection
    Discontinued takes responsibility if someone makes unauthorized purchases with your card.
  • Offers on ride-sharing, food delivery and online shopping
    Discontinued, in collaboration with DoorDash, offers new members a three-month free DashPass subscription, a once per month $5 Lyft credit to put towards your next ride if you take just 3 Lyft rides in a month, free ShopRunner membership and 5% back from HelloFresh on every HelloFresh order for use on future purchases.
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Discontinued gives 1% in a cash back reward and offers you an additional 1% cash back for a full year for a qualified referral. Therefore, to optimize the amount of cash back you receive in a given year, refer friends or relatives to the card. Be sure to tell them that no credit history is needed for card approval, making it great for citizens without credit history or newcomers to the United States who want to build credit.

Understanding the Fine Print

The Discontinued is a good choice for people with very little or no credit history. It is appealing for new residents of the United States because of its no credit history required application. But, before you complete the Discontinued application, you need to know the fees and fine print that come with the Discontinued benefits.

  • Card Feature
    Amount or Rate
  • APR
    15.49% – 24.99% Variable
  • Annual Fee
  • Cash Back Rewards
  • Rewards Rate
    1%–6% Cash Back
  • Airline Benefits
  • cashBack icon

    Cash Back Reward Rate

    Discontinued offers 1% to 6% cash back; your cash back maximum varies based on your credit limit. For example, a customer with a $5,000 credit limit and a 6% cash back rate can earn a maximum of $300 cash back per month or $3,600 per year.

  • highInterestAPR icon


    Discontinued features a variable annual percentage rate (APR) ranging from 15.49% to 24.99% for purchases and 24.99% to 29.99% for cash advances. Your creditworthiness determines your interest rate at the time of your Discontinued application. Afterward, the Prime Rate determines your APR.

  • noAnnualFee icon

    Annual Fee

    The Discontinued features no annual fee, which is advantageous for individuals looking to build or improve their credit score. Credit cards with no annual fees make it simple to come out ahead, regardless of your expenses. Furthermore, you can keep your card active for an extended period at no cost, extending the average age of your accounts, which benefits your credit score.

  • wallet icon

    Cash Advance Transaction Fee

    A transaction fee is like a processing charge. Credit card transaction fees occur in two varieties: percentages and fixed per-item costs. Both types apply to a single transaction on many occasions. Discontinued charges cash advance transaction fees of $10 or 5% of the amount of each cash advance.

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When comparing the Discontinued benefits to other cash back credit cards, consider the cash back on eligible purchases and any associated extra fees. If you want to compare it to a card you already have, all you have to do is go through your most recent billing statement or visit your card issuer's website or app. Alternatively, you may search the Consumer Financial Protection Bureau (CFPB) credit card agreement database for information regarding credit card agreements.

Who Should & Shouldn’t Consider Discontinued?


Other Considerations for Discontinued

If you're interested in applying for the Discontinued cash back credit card, you should consider your current credit card needs and your intended usage for the card.

Things to Consider if This Will Be Your First or Only Credit Card

The Discontinued is suitable for first-time credit card users because of its credit history flexibility and no security deposit feature. If you want to use the Discontinued as your only credit card, keep in mind its high purchase variable APR of 15.49% – 24.99% and variable cash advance APR of 24.99% – 29.99%. This is a card best-suited for people who pay off their balance every month. If paying off your balance monthly isn’t an option on your primary credit card, it may be worthwhile to consider a card with a lower interest rate.

Things to Consider if This Will Be an Additional Card in Your Wallet

As an additional card that supports limited credit, the Discontinued card is ideal for use while trying to build a credit score without having to pay an annual fee, ensuring that your account stays active for as long as you like, which helps build credit. Earning 1% cash back on all purchases is a bonus.

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MoneyGeek follows a well-defined and standardized methodology when reviewing credit cards. Collecting information from the Consumer Finance Protection Bureau's database, standardizing data points for simple comparison, determining average spending profiles, assessing long-term value, and performing frequent re-ranking are all part of the process.

How Discontinued Compares to Other Cards

Compared to other cards in the same cash back rewards category, the Discontinued stands on its own thanks to the lack of annual and foreign transaction fees and no credit history requirement. However, knowing what you're looking for in a card can help you decide if the Discontinued is right for you or not.

Quick Comparison of the Discontinued

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  • No annual fee
  • No foreign transaction fee
  • 1% cash back on all eligible purchases
  • Late payment and returned payment fee up to $27
  • Purchase APR of 15.49% to 24.99%
  • No credit score required
  • Mini Verdict: Best-suited for people with no or limited credit.
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American Express Cash Magnet® Card

  • No annual fee
  • 2.7% foreign transaction fee
  • 1.5% cash back on all eligible purchases
  • Late payment and returned payment fee up to $40
  • Purchase APR of 13.99% to 23.99% after the first 15 months of account opening
  • Credit score of good or excellent required
  • Mini Verdict: Ideal for people who want more rewards on purchases.

Other Helpful Decision-Making Q&As

MoneyGeek answers the most frequently asked questions about the Discontinued cash back credit card application and benefits that may help you make a decision.

Still not sure about this card? Consider these options.

Whether you're new to the country or new to credit, the Discontinued cash back credit card helps you get started on the right foot. There is no need for a security deposit, and it reports to all three credit bureaus, helping to build your creditworthiness. If you're not sure how well this card will work for you, try looking at some other cash back cards for credit building. If you don't need a cash back card, a rewards card or a balance transfer card may be good options.

Learn more about credit cards in general

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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