Discover it®
Discover it® Summary
The new Discover it card is out to change the way people think about credit cards.
Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
Creditnet's Full Review
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions
Creditnet's Expert Rating & Review
Lack of fees. No foreign transaction fees, no late fee on your first late payment and no annual fee. Plus, your APR won't go up due to late payments.
Least Favorite Features:Can't come up with any...
Our Final Take:The bottom line is the Discover it Card is an improved version of their More card series, which was already one of the best cash back credit cards on the market today. If you have good credit and are in search of a cash back credit card, you'd be hard-pressed to find one better than the Discover it Card.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | 0.00% | Credit Required: | excellent |
| Intro Period: | 14 months | Set Up Fee | $0.00 |
| Ongoing APR: | 10.99% - 22.99% (V)* | Annual Fee | $0 |
| Penalty APR: | N/A |
| Intro APR✝: | 0.00% |
| Intro Period: | 14 months |
| Ongoing APR: | 10.99% - 22.99% (V)* |
| Penalty APR: | |
| Transfer Fee: | 3% of the amount of each transfer. |
| ✝ Must initiate transfer: | N/A |
| Ongoing APR: | 24.99% |
| Penalty APR: | N/A |
| Advance Fee: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Other Rates | |
|---|---|
| Foreign Transaction Fee: |
0.00% |
| Min. Interest Charge: | N/A |
| Credit Line | |
| Min: | N/A |
| Max: | N/A |
| Penalty Fees | |
| Late Payment: None the first time; Up to $35 after |
|
| Over the Credit Limit: | N/A |
| Returned Payment: | Up to $35 |
