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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
14 months
0%
See Terms
4.9
Expert Rating: 4.90 / 5 stars

Discover it® Summary

  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.

  • Redeem your cashback for any amount, any time*. Your cash back never expires.

  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+

  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*

  • 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 purchases on your Discover card.

  • 100% U.S.- based customer service— day or night.

  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Creditnet's Full Review

The Discover it card combines a lucrative cash back program with member perks not usually associated with cash back cards - think late fee forgiveness and no foreign transaction fees - for what is absolutely one of the best credit cards available today.
 
Cardholders earn 5 percent cash back on up to $1,500 in purchases made in rotating categories that change each quarter with free and easy sign-up, and a full 1 percent on all other purchases* with no expiration dates or limits.
 
Last but certainly not least is the 14-month intro period in which you pay ZERO in interest on new purchases and balance transfers. 
 
Nothing bad to say about this card - the Discover it card is an excellent option for consumers interested in earning some serious cash back...

Creditnet's Expert Rating & Review

by on April 26, 2015

4.9
Expert Rating: 4.90 / 5 stars
Favorite Card Features:

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 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.

Purchase Rates
Intro APR: 0% Credit Required: excellent
Intro Period: 14 months Set Up Fee N/A*
Ongoing APR: 10.99% - 22.99% Variable* Annual Fee $0
Penalty APR: None
Balance Transfer
Intro APR✝: 0%
Intro Period: 14 months
Ongoing APR: 10.99% - 22.99% Variable*
Transfer Fee: 3% of the amount of each transfer.

User Reviews

Distribution chart

Average user reviews

Based on 2 reviews

Overall
4.5
Customer Service
5
Reward Redemption
4.5
Accuracy of Statements
4.5

Great card so far - Approve $9500

lvanny127's picture
This is the only review written by this user
0 people helped
Overall:
4
Average: 4 (1 vote)
Customer Service:
5
Reward Redemption:
4
Accuracy of Statements:
4

Card Purpose:

Individual
lvanny127 Would recommend to a friend.
Helpful to 0 out of 0 people
Reviewed on: Tue, 2014-12-02 13:52
My score was very low- between 620- 640/ I started paying off alot of my debt to lower my utilization rate to <20%. Finally my FICO score went up to 688 and I applied for DiscoverIT. I was approved right away, i didn't know the limit amount until the card was sent to my home. I was so surprised. I also added my husband, who has good credit as an authorized user, so i think that might have helped me get approved. Overall, no issues and I'm so happy Discover gave me a chance. I will definitely use this card responsibly and not mess up my credit any more.
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Discover It has Amazing Customer Service!

cheeseball13's picture
This is the only review written by this user
1 person helped
Overall:
5
Average: 5 (1 vote)
Customer Service:
5
Reward Redemption:
5
Accuracy of Statements:
5

Card Purpose:

Student
cheeseball13 Would recommend to a friend.
Helpful to 1 person
Reviewed on: Tue, 2013-07-23 10:53
I just got off the phone with a customer service representative.  She was knowledgeable, friendly and got my questions answered immediately.  The weirdest thing, though, was that she was in Arizona, and I could actually understand what she was saying because the connection was so clear! It was a nice change to be speaking to somebody who wasn't just reading from a script on a customer service line for once.    But the customer service isn't the only good thing.  They have this spend analyzer that has helped me cut down in some categories and they have some other, under-advertised perks like purchase price protection, extended warranty and accidental damage protection.  I use the Discover for all online or high value purchases for exactly that reason.   The one downside is that Discover still isn't accepted at as many merchants as other cards, but it's pretty rare to run into one of those.  Nonetheless, I would highly recommend this card.
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