Discover it Credit Card - 18 months intro
Details
- 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 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.
- *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
5.0 / 5.0 (113 votes)
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Information - Rates - Fees

Intro APR:
0%*
Applied Towards:
Purchases
Balance Transfer
Intro Period:
18 months on BT*
APR:
10.99% - 22.99%*
APR Type:
variable
Annual Fee:
$0*
Issuer:
Discover Bank
Card Network:
Discover®
Card Category:
Consumer (Regular)
Card Type:
Instant Decision
Low Interest Rate
No Foreign Transaction Fee
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.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

Not all credit cards are the same - and the Discover It card is proof of that. With a long intro period with no APR, a low rate for balance transfers and no annual fee. The application is available online and only takes about five minutes to complete. A credit decision is often provided in under a minute after submitting, which will also tell applicants of their APR and credit line if approved. There is expedited delivery of the card, giving cardholders their Discover fast to begin making purchases.

The card is accepted around the globe and online. Cash back is also earned on the account. The cashback rewards don't expire and there is no max to what can be earned in a year. 1% on all net purchases is earned and 5% within certain categories that change quarterly. The cash back can then be used for such things as a statement credit or a Discover gift card. The card is affordable to maintain throughout the year. There is no overlimit fee and no foreign transaction fees. There is also never a fear of the APR increasing if a payment is made late. Other features include online account management and mobile apps.

Features

Most attractive:
- 18 months intro APR on purchases
- No penalty fees
- No annual fee
- No Intl. transaction fees
- Free rewards program
Least attractive:
- No bonus cash back

Rewards & Benefits

Reward Types:
Other Rewards
Universal Rewards
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*.
- 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!

*The information provided for Discover it® Credit Card - 18 months intro is believed to be accurate at the time of evaluation (Oct 31, 2014). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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