- 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
- 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements*.
- No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100% U.S.- based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
4.9 / 5.0 (151 votes)
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Information - Rates - Fees

Intro APR:
0%*
Applied Towards:
Purchases
Balance Transfer
Intro Period:
14 months*
APR:
10.99% - 22.99%*
APR Type:
variable
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Instant Decision Card
Low Interest Credit Card
No Foreign Transaction Fee Credit Card
Reward Card
Credit Needed:
Excellent*
Grace Period:
25 days*
Min Finance Charge:
$0.50
Late Payment Fee:
$0.00*
Over Limit Fee:
$0.00

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
3.00%

Cash Advances

APR on Cash Advances (%):
24.99%
Cash Advance Fee (%):
5.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
Returned Payment: Up to $35.00

Comments

See Discover's application for complete Terms & Conditions.

Review by

There are many benefits with the Discover It credit card. With every purchase, cardholders earn at least 1% cash back. There are specific categories every quarter that earns 5% cash back, including such categories as gas, travel, supermarkets and discount clubs. The cash back can be used as a statement credit or received in the mail in the form of a check or Discover gift card.

There is also a special cashback concierge that can help a cardholder ensure they are getting the most out of their cash back rewards throughout the year. The card can be used online, with merchants and over the phone - over 8 million merchants in total. There are many other perks with the card, too. It's affordable due to no annual fee and a low APR. There is a low fee for balance transfers, no foreign transaction fee and no over limit fee. Monthly payments can be made over the phone or online by midnight on the due date.

Cardholders also have the ability to name their due date so that it coincides better with other bills that have to be paid. Various tools exist for cardholders as well. This includes online account management, a mobile app and friendly customer service based in the U.S.

Features

Most attractive:
- No penalty fees
- Long term intro rates
- No annual fee
- No Intl. transaction fees
- Free rewards program
Least attractive:
- No bonus rewards

Rewards & Benefits

Reward Types:
Cash Back Reward Cards
Gas Reward Cards
Other Rewards Cards
Universal Reward Cards
Reward Unit:
Cash
Rewards:
- 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*s.
- 1% cash back on all other purchases automatically.*
Expiration:
None
Yearly Limit:
None*
Other Benefits:
*See Terms and Conditions for Other Benefits
Online Access:
Yes!
Credit Reporting:
Yes

The information provided for Discover it® Credit Card is believed to be accurate at the time of evaluation (Oct 31, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.