Features

Who is Discover it Credit Card for?

Discover it 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 Interest Rates?

Interest rates for purchases and balance transfers range from 10.99% to 22.99%, based on each applicant's creditworthiness. There isn't a penalty rate for members who are late with their monthly payment, but there are fees to pay.

The card comes with a 0% APR on balance transfers for the first 18 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 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 $35 fee. However, the late payment fee is waived the first time it happens and there is no over the limit fee.

What Is the Rewards Program Like?

Discover it 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 balance transfers, there is no signup bonus linked to the Discover it credit card.

Any Other Benefits?

The Discover it credit 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. Members also get access to Discover Deals online mall, which offers discounts of 5 to 20 percent on online purchases.

How Is It Better Than Other Credit Cards?

Discover it 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 18-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.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Discover
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    11.24% - 23.24%
  • Transfer Fee
    3%
  • Balance Transfer APR
    11.24% - 23.24%
  • Intro APR period (months)
    12
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0
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js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
11.24
js-table-filter restaurants-142
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
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js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1960

  • Cashback
  • Free FICO Score
  • Gas
  • Groceries
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24%
Intro APR period (months) 12
090
js-table-filter bizname-discover--home--garden
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1960

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
052
js-table-filter bizname-discover--grand-rental-station-discover-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
13.99
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Cashback
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 25.99% var. APR%
006
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0 votes

Though they are accepting Discover a lot more places nowadays, they don't always take it. Other than that, this is an amazing card that offers you really nice cash back that you won't find with other cards. There are categories that save you %5 back. For instance, I bought a refrigerator not too long ago and got $175 back!


0 votes

They seem to really like it if you use this card for your basics and just about everything else. If you do this and pay off a lot or all of it each month, you will get a higher credit limit after awhile. I make sure that whatever I charge I have money in my checking account to cover the bill when it is due. That way I don't get into any trouble, but I do get a lot of points and ample cash back.


0 votes

I love this card. I can't believe I spent so many years getting every other card but this card. My mom has sworn by the card for years and couldn't believe I never got it, and now I have it and I can see why. I am getting a lot of points that are adding up to a lot of cash. I just wish I'd done it sooner, but what can you do? Anyway, I also like the fact that they send you your FICO each month.


0 votes

Cash back is the absolute best when it comes to rewards from your credit card, and Discover does a bang-up job of giving you cash back. There are categories in which you can earn 5% cashback and then you also earn 1% on all other purchases.


0 votes

The zero percent APR for 14 months when you sign up is great! This is a substantial amount of time, which helps you when you transfer a balance and mean to pay it off-which it looks like is going to happen to me! I can't wait to be done with that albatross.


0 votes

If you can get it straight, the 5% cash back possible with this card can add up to a significant amount of money. For instance, I spent 10k recently in the right category and got a nice chunk of money back for my efforts. You do have to keep up on the categories, though, as that would be a bummer if it doesn't work as you expect.


0 votes

I'm another Discover convert. I used to use my Visa all of the time, until I switched to this bad boy and have found that I use it now whenever possible. It is the card I have at the top in my wallet and will continue to be. My only regret is that not every place will take the card.


0 votes

Super card and so much better than many other cards! I was really thrilled when at the end of my first year with a card that I doubled all the cash back that I earned that year. I also really like that the cashback never expires. It really sucks when that happens.


0 votes

I have loved my Discover card since I got it several months ago. I had one problem when I paid late. I was freaking out thinking that I was going to owe some horrible fee, but they told me that the first time it was waived. Totally cool! I've had late charges on other cards and they told me to get lost. Anyway, I also like the fact that there is no annual fee. And of course the rewards program is the best!


0 votes

Free FICO score when you get this card! That is worth its weight in gold! I love checking my score to see how what I'm doing monitary wise is affecting the score. Looks like things are looking up for me in that department. No doubt thanks to Discover!


0 votes

I have pretty good credit from having a bunch of Visas and Mastercards over the years, so I got Discover's lowest APR, which is great. I also was surprised at how many points I've been racking up recently on purchases. I've got enough points to get a tidy little sum of cash back that will cover my Christmas spending.


0 votes

I have used a bunch of other cards, but Discover is the best. I wish that every place took it like they take MC and Visa, but that is slowly changing. The cash back program is great, and when you have a problem, their customer service is impeccable.


0 votes

Really like being able to get my FICO score for free on my monthly statement. I also like the many perks with Discover, including the no foreign transaction fee and the cash back. Even better there us no annual fee and no overlimit fee. I honestly can't believe that Discover isn't as big as Visa and MC in terms of what people use!


0 votes

I'm pretty young and just building credit so a Discover card seemed kind of out of reach, but I figured that the worst they could do was turn me down. I hadn't applied anywhere for awhile, so the hard pull on my credit wasn't going to do too much damage. Well, surprise, surprise, I did get the card and with a pretty high CL--$2500. I know it's not a ton for an older person, but for me, it's a lot!


0 votes

I took advantage of the zero interest on the balance for the first 14 months of having this card and really put that bonus to good use. I saved a bundle on interest, since my prior card was at 29.99 percent. I was able to pay off the balance and got some nice points in the process from Discover.


0 votes

I was a lifelong Visa and Mastercard user and then one day I thought, let's give Discover a try. Wish I'd done so a million years ago! I have gotten great cash back and I really love how I have a really reasonable interest rate. I usually pay off at the end of each statement period, but it is good to know it's reasonable if I need it.


0 votes

I actually like the rotating categories where you earn 5% back quarterly, as it gives me something new to look into. It's also nice to know that there is 1% back on everything else, so no purchase made with the card is wasted! I also have pretty good interest on it.


0 votes

Face it. Discover is a great card, and who doesn't want one on their wallet? This card comes with no annual fee and a fabulous introductory rate that gives you 14 whole months without any interest. I don't know where you can go for such a great deal.


0 votes

I really like how you can use our cash back instantly at Amazon.com. I like to earn my points and then use them that way. I often use them for gifts for birthdays and Christmas time. It is nice that the cashback never expires, but I usually use it prior anyway.


0 votes

I am a big time shopper, so Discover is perfect for me. They give really generous cash back that makes it so worthwhile. I regularly get $100 or more back, because I'm often whipping out my card. I am really happy that they also don't have an annual fee, because I have to admit that would dampen my enthusiasm.


0 votes

I am really impressed with Discover card in so many ways. I am especially impressed with how they are right on top of potential fraud. On several occasions I have gotten calls from them to verify purchases that were fraud. They stopped things before they even got started. Thanks Discover!


0 votes

I get so much stuff on Amazon nowadays that I use the cash back feature with this card and just use the rewards right away on Amazon. It works great. I've had this card for a few years, and also really like the no annual fee. It's a must card for me.


0 votes

I was happy to get approved quickly for one of these cards. I was a little shocked, as visa and mastercard put me through hoops when I applied for them. Now I have a nice credit line that I can either use for a balance transfer or just use for spending.


0 votes

Thank goodness there is no penalty APR for being late on this card! I have been late twice in the last year, because I lost my job. I'm employed again and hoping that I don't get behind again. They are pretty lenient regarding not losing APR, though, which is good.


0 votes

I'm a shopper, so I just love all of the cash back you get from this card. (More money for more shopping!) And I really like their discover deals online mall website for shopping as well. You can get some great deal son there. And on a more practical note, the FICO score that you get through Discover is another big bonus.


0 votes

If your credit is good enough, which mine fortunately was, you can get a good APR at 10.99%.Then add the zero percent interest on balance transfers and purchases and you've got one of the best credit cards out there. I love my Discover card!


0 votes

I am a big time shopper, so Discover is perfect for me. They give really generous cash back that makes it so worthwhile. I regularly get $100 or more back, because I'm often whipping out my card. I am really happy that they also don't have an annual fee, because I have to admit that would dampen my enthusiasm.


0 votes

I applied for this card in response to a premailed application. I was curious to see if that premailing did indeed make you better qualifed, as they'd hand picked you. I was happy to see that the premailed app was easy to fill out and the person on the other end of the line really helped me.


0 votes

I have to admit flying blind a lot of the time when I buy stuff and not checking to see what categories are going to save you 5%, because I'm usually in a rush when making a purchase, but the good news is that I hit on the 5% about 50% of the time! Even if I don't get the 5%, though, I do get at least the 1%, so I'm good with that.


0 votes

I like getting my FICO score on my monthly statement and have also used their mobile app to check my score when I needed to see it and wasn't hear my statement. This company really knows how to do it. The cash back is phenomenal. And they don't have an annual fee.


0 votes

Customer service with Discover is really good. That made it so much easier when I went to apply, because I wanted to speak to someone about some questions I had. The lady who answered the phone on a weekend could answer all of my questions. She didn't have to tell me like has happened to me before that I would have to call back on Monday. She answered my questions, I got approved in a couple of days and now I have my Discover card.

0 votes

Their clever commercials tout that the Discover It cards “treat you like you'd treat you.” If you get the Discover It card, you shouldn't expect your customer service rep to be your doppelganger but you can be assured that you're getting a pretty good deal. It has all the features you would expect in a consumer credit card: no annual fees, balance transfer option and fraud protection. The card also features a bunch of nice extras: no foreign transaction fee, collision damage waiver and emergency travel assistance. But ... the Discover It cards turn the convenience factor up to 11, with no overlimit fees and no automatic jacking up of your APR if you pay late. If remember at 11:30 p.m. that your bill was due that day, no worries, you can pay online or by phone until midnight and you're covered. And if you do slip up and pay late, Discover It will waive your late fees – once. After that late fees can be as much as $35 – painful. APR varies widely, from an awesome 10.99 percent if you have great credit to an iffy 22.99 percent if your credit is not so hot. More Less


0 votes

I was approved quickly for a very high CL. Kind of shocked me, as I've never had that high of a limit with any of my Visa or my MC cards. I haven't used anywhere near the limit, but I am using the card to pay for regular expenses so that I can gain the points and cash back. I have found getting the FICO score to be great, as I've started looking for a house and it's good to keep an eye on the score.


0 votes

Discover all the way! Wish this was the only card I ever used. Everything about it is so good. The cash back rewards are great. I also used the 14 month 0 APR when I opened the card and save a bundle on interest from another card. So much that I was able to pay off the balance without paying another cent in interest. Instead, I've been spending the rewards I've earned!


0 votes

Discover is one of the best cards out there. They give generous cash back incentives that make using their card so easy. I also like the fact that I have a very low interest rate compared to my other cards. This means that I use Discover whenever I can. Not every merchant uses them, but a lot do nowadays, and that makes me happy. :)


0 votes

I have several MCs and Visas but decided to try a Discover so that I could get more credit and then make my score go up. That worked, and I was able to verify that fact by my FICO score which Discover puts in my monthly statement. I have also started using the card for daily and other expenses and have seen the points mount. Cash back is a great bonus. All in all, a good choice to apply.

0 votes

WATCH OUT!!!! After being a customer with them for more than a decade. They just decided to close my account for minimum use, because I had a limit of $23K and I did not want to use 10% of it all the time. It really hurt the credit score which was built in 10 years. So, if you get the card ..make sure use it all the time....very bad business!! They really know how to screw a loyal customer's credit score. DON'T BUILD YOUR CREDIT WITH DISCOVERCARD!!!


0 votes

This place advertises that they have people in the U.S. on call all of the time to help you and it is true! I was a little confused about something on my bill and I called on a Saturday afternoon. A really nice guy answered the phone and I could totally understand everything he said. Not only did he speak well, but he explained everything to me in a way I could understand.

0 votes

No annual fees and 5% cash back rewards for some purchases. Though I find it annoying that they are switching the 5% cash back for seasonal purchases now and have to sign up every few months on its website to get the benefits. Overall, I had few late payments in the past and they've waived the late fee with no questions asked. Great customer service.

0 votes

I have been with Discover since 1999. I love that there is no annual fee and the rewards are a plus too.


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