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Discover it Card

in Personal Credit Cards

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Discover it Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is Discover it Card for?

Discover it Card is a good fit for people looking for a generous cash back card with no annual fee. It is particularly suited for people who have a credit card balance to pay off and whose shopping habits fit the card's bonus categories.

What are the Rates?

Rates for purchases and balance transfers range from 13.49% APR to 24.49% APR, based on each applicant's creditworthiness. There isn't a penalty APR for members who are late with their monthly payment, but there are fees to pay.

The card comes with a 0% APR on purchases and balance transfers for the first 14 months, which will help cardholders with a small balance repay their debt while still earning rewards on new purchases.

What Are the Fees?

The Discover it Card doesn't have an annual fee, but it does have a 3% balance transfer fee and a $10 or 5% cash advance fee, whichever is greater. Members who are late on a payment or whose payment is returned must pay a $37 fee. However, the late payment fee is waived the first time it happens.

What Is the Rewards Program Like?

Discover it Card has a cash back rewards program with a 5% cash back rate on certain categories that change every three months and 1% on all other purchases. There are no minimum amounts or time restrictions when redeeming cash back rewards and members can use them immediately on Amazon.com.

What about the Signup Bonus?

Apart from the 0% APR for the first 14 months on purchases and balance transfers, there is no signup bonus linked to the Discover it Card.

Any Other Benefits?

The Discover it Card gives members free access to their FICO credit score on their monthly statements and through Discover mobile app. Discover prides itself in having a 100% U.S. based customer service that is available 24 hours a day. 

How Is It Better Than Other Credit Cards?

Discover it Card combines the best of a cash back card and a transfer balance card by packing a generous cash back rate and a long 0% intro APR. All without charging an annual fee. The 14-month introductory 0% APR is long enough to either make a dent in a large credit card balance or completely repay a smaller one, while still earning some rewards on the side.

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
25
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$0.5
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Personal
Card Type
  • Balance Transfer
  • Cash Back
  • Gas
  • Rewards
  • Zero Percent
Card Network
  • Discover
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
  • Price Protection
Free FICO Score
Fraud Liability
Bonus Rewards
5%
Rewards Categories
  • Amazon.com
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Warehouse Clubs
No Blackout Dates
Every Purchase
1%
No Reward Expiration Period
Purchases APR
13.49% - 24.49%
0% 29%
Balance Computation
daily balance (including new transactions)
Introductory Rate
0%
Balance Transfer APR
13.49% - 24.49%
8% 29%
Transfer Fee
3%
Transfer Fee
3%
Introductory Rate
0%
Intro APR period (months)
14

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Annual Fee

Credit Score Range

Discover it® Chrome Gas & Restaurant Card
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Credit Score Range 640 - 850 300 850
Discover it Secured Credit Card

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Starting Purchases APR 24.49% Starting Purchases APR
Starting Balance Transfer APR 24.49% Starting Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 300 - 700 300 850
Discover it Miles Travel Credit Card
Purchases APR 13.49% - 24.49% 0% 29%
Balance Transfer APR 13.49% - 24.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 300 850