Discover it® Credit Card

discover it
Required Credit Score:
Excellent
751 reviews   Write a Review
Info about the Discover it® Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Change my rating to: Excellent

Discover it® Credit Card’s Rewards

Bonus
None
Base Earn
1%
Max Earn
10%
  • Earn 5% Cashback Bonus on up to $1,500 in purchases at Restaurants & Movies from April through June 2016
  • Earn 1% cash back on all other purchases
  • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout
  • Cashback Match: Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.

Discover it® Credit Card’s Key APRs & Fees

Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months
Regular APR
11.24% - 23.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

Discover it® Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   Yes, chip-and-signature
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Human. 100% U.S.-based customer service available any time.
  • Looks out for you-since 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.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
Apply Now
at Discover Bank’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Discover it® Credit Card to our community.

How widely is Discover accepted in Europe?
Reply

Photo of Card H.
Sep 30, 2014
Discover cards are accepted at businesses and ATM's that accept Diners Club and at LINK ATM's (U.K. Only), in addition to businesses that explicitly accept Discover cards. You can find more info about where your Discover card is accepted at: https://www.discover.com/credit-cards/help-center/account/international-use.html . Best of luck!
29 Votes 32 3

Many credit cards cover rental car insurance rather than purchasing insurance offered by rental agencies, as long as the rental cost, taxes and fees for the rental car are applied to the Discover it card. Does Discover it have that more
Reply

Photo of Card H.
Jul 28, 2014
Yes, Discover include Rental Car Insurance for all their cards.
Actually, we have a great study where you can find details about the coverage offered and the requirements you have to meet at cardhub.com/edu/rental-car-insurance-credit-card-study/
11 Votes 12 1

Customer Reviews

Share your insights and review the Discover it® Credit Card.

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4.2 out of 5

751 reviews
48%
31%
14%
4%
3%
Photo of Card H.
Nov 25, 2015
If you have excellent credit, don’t want to pay an annual fee and are intrigued by the benefits Discover offers to all of its credit card customers – free credit scores, one-click account lockdown and live customer service, for example – then you should certainly consider Discover it. The card has a lot going for it, especially during the first year – though an unambiguous name can’t be counted among its benefits. Rather, it gives you the ability to avoid interest on new purchases for 12 months (we don’t recommend balance transfers given the 3% fee) and promises to double your rewards in the first year.

There are, however, a few more
Photo of Johnny P.
Mar 13, 2016
I originally got this credit card due to its cashback rewards program. I was looking for a card that would allow me to get cashback at places I regularly shopped at, as well as things such as gas at a higher rate. I also like the free FICO credit score feature that comes with the card each month. If I were to improve this card, I would make it so I can chose what I want my 5% cashback to be during the three month periods such as always gas or groceries instead of signing up for things I do not shop at. I would recommend this card to others more
Photo of Doug
Mar 2, 2016
I got this card after building my credit it up for around 8 months using a secured card. Discover provides you with a monthly accurate FICO score, great rewards (with rotating categories), and phenomenal, American-based customer service. They will even overnight you a new card if yours is lost or stolen! I would definitely recommend it to anyone looking for a solid credit card backed by the industry's most responsive and effective customer service teams.
Photo of Aurora
Feb 28, 2016
I applied for this card to earn a sign up bonus and extend my credit card repertoire. My sign up bonus was $150 after spending $750 in the first three months of ownership. I was able to meet the bonus requirements easily and enjoy having the bonus deposited in my cash back and then transferred to my checking account. I love that this card makes cash back so easy. I can spend the cash back on Amazon if I like or redeem it as checks or gift cards. It also makes it easy to earn cash back with set percentages and special 5% back categories every quarter. Another great perk more
Photo of yancy
Feb 28, 2016
I first got a Discover card years ago because at the time it was the only cash back card available to me. Eventually that account got closed through disuse, and I found myself applying for a new version of their card; this was what I got. As it turns out, it's pretty good. The interest isn't unreasonable, and the cash back bonus, even though lots of other cards offer that, is nice. Unlike years ago, I very rarely have trouble with places not accepting the card, and the one time I had to contact customer service about a doubtful charge, I was able to get them right away and they more
Photo of Sally L.
Feb 26, 2016
I got this Discover card mainly because of the cashback points system. The points system is great because you don't have to activate anything or take any action - you just start racking up points as you spend. I was able to use my points to buy a vitamix blender, which is such an awesome perk! There are so many sites you can use the points on, and you can even pay directly from cashback bonus points to Amazon.com -- it's super convenient. I also really like Discover's spending track and online system. I never have a problem with automatic payments, and I can easily see where my money is more
Photo of TJ
Feb 25, 2016
I signed up for my card to have an emergency fund source for big dollar purchases that seem to always happen just before the next paycheck. It has been excellent so far. I've enjoyed having it, the interest rate is fantastic, and the payment terms have been more than fair. I love the rotating categories as well. So far they've been a lot of places that I shop, so I've gotten to get reward points for a lot of my purchases. This is definitely a card I'd recommend.
Photo of Scarecrow
Feb 24, 2016
The Discover It card was the only card for which I qualified at the time, but it was also perfect for me. It has a relatively low limit, which I've rarely come close to and never exceeded, and I've never needed a higher one. The 1% cash back applies to almost anything and adds up rather quickly. The quarterly rewards programs or initiatives rack up cash back bonuses pretty easily, especially around the holidays, and it's all on things that I'd be buying regardless. I've never carried a balance so I can't speak to the interest rate (which I've noted but don't keep a super close eye on), but that's more
Photo of Rin
Feb 17, 2016
The main benefit of this card, and the reason why I applied for it, was the ability to see my credit score easily whenever I wanted. Since getting the card, I have used that feature at least once a month. It really helps you stay on top of your score when trying to build it back up. The rewards are pretty standard. 1% on everything, and a bit more for certain things. Even though 1% is low, it does make me feel compelled to use it whenever I can. No problems with support. If I ever need to make a charge back or have any other issue, the customer service more
Photo of James W.
Dec 9, 2015
This is a really good card. Cash back programs are nice bonuses if you take advantage of the quarterly 5 percent promotions. The introductory 12 month 0% APR was nice, and there are usually subsequent offers for 0% balance transfers. It's also good to see your monthly FICO credit score.

The biggest drawback is that Discover isn't always accepted, so sometimes you can't use this card when you want to. Other than that, I would recommend this card.
Photo of Jonathan B.
Dec 7, 2015
This is probably one of the best cards I've owned. Their cashback deals are awesome as well as all the other benefits. It is hard to initially get, so I was lucky. I had almost no credit record beforehand, and I am happy they gave me a shot. I was also fortunate enough to sign up when they had the double cashback deal going and get 10% on various stores online, including Sears, Home Depot, etc, which is basically 10 off 100. The Customer Service is probably the best, as they do not outsource it to foreign countries. Good old US of A and the people are in the states, more
Photo of Adam B.
Nov 30, 2015
The thing i love about this card the most is the cash back option that i have on some purchases. They also allow you to sign up for other various offers while using the card, to rack up more cash back bonuses. Other than that, the availability of the card is also welcomed. Wish the cash back bonuses offered a little more in the area of uses though.
Photo of Yarho M.
Nov 30, 2015
So I’ve had the Discover credit card for about 5 years now. I love this credit card. I use the cash back bonus heavily. As a matter of fact, I had so much cash back one time, it paid for my entire vacation. The customer service is impeccable and they catch fraudulent charges like…the same day. I have a new card in about two days and these guys do a great job at allowing me credit line increases as well.
Photo of Kurt V.
Nov 19, 2015
I really enjoy this credit card. It was my first, and I've had only good experiences with it. The 0% interest for 1 year after signup was great, and the $0 annual fee is also much appreciated. I like getting my credit score every month as well, as it helps me keep track easily. 1% cash back isn't much, but it's pretty standard I think. The rotating 5% bonus has come in handy a few times though, so I like that as well.
Photo of Jack T.
Oct 11, 2015
I like the Discover IT card for a number of reasons including no annual fee, cashback at many of the places I shop including Sears and Amazon.com. I also like the free credit score report. I never carry a balance so I am not too interested in the interest rate.
Photo of Kirk D.
Oct 1, 2015
I chose the Discover IT card five years ago. I primarily did this for the cashback benefits and low interest rates. I use the 5% cash back for my Christmas gifts each year. It winds up savings me quite a bit of money in the long run. However I really like their fraud prevention and customer service too. I like that I can get a friendly representative at nearly any hour of the day.
Photo of Jennifer R.
Sep 30, 2015
I chose the Discover It card a few years ago. I had had a Capital One Card before and HATED dealing with Customer Service. The first time I called Discover, I was hooked. The customer service representatives speak English clearly. In addition, the cash-back perks are great! I think one of my favorite things about the Discover It is the fraud protection. Overall this is a great card.
Photo of Anthony M.
Sep 18, 2015
This is by far my "go to" credit card. My personal favorite feature is that if I misplace it, without having to call anyone, I can instantly freeze it so nobody can use it. The customer support that comes with this card is next to none, I rarely ever have to wait to talk to anyone. Also, I spend a ton of money on Amazon, and near Christmas time you get 5% cashback, which is a large amount.

I think my only real problem with this card (and the thing that stops it from getting 5 stars out of me.) is that there are quite a few places that do not more
Photo of Imaan J.
Sep 12, 2015
I have this card, and I think most important factor for choosing , Discover it credit card, 5% cash back bonus, and double all cash back at the end of your first year. Most important, 100% us based customer service. I used have other card before, and whenever I called, it used to go to Philippine, ad it was awful, they could not resolve anything, except talking in buttery language.. You can earn cash back, shopping on line with amazon or with other sites. As long as you pay off every month, i think this card is perfect. Only thing about the card that I do not like is, it more
Photo of Cordelia S.
Sep 7, 2015
For years I had not gotten a credit card. I'd had a bankruptcy and thought I'd never get a decent card again. A friend suggested Discover and am glad she did. I was approved without any hassles and received my card within a week. The interest rate is pretty decent (not like that 25% the store cards charge) and I'm earning some cash back rewards on some of my purchases. I haven't had to deal with customer service yet, so I can't rate that aspect of the card service. I'm happy. My discover card is accepted everywhere and the FICO feature helps me keep track of my credit score.
Photo of Logitech S.
Jul 24, 2015
This is one of the best credit cards out there! I really love using the Discover It credit card since it had no annual or over limit fee making me safe to make purchases over my limit. The security for this card is also high protected my data since I remember once I got a message of unusual activity but I just ignored it since my son took my credit card to make a grocery purchase. The only thing bad about the card is that you can't use it everywhere.
Photo of Bob S.
Jul 9, 2015
i've had many problems with My Discover Card NOT being Accepted in many places in USA, The Other Day i went to a Subway Restaurant and Ordered something to eat and when i gave them My Discover Card to pay they asked me if i had a Visa instead because they Do NOT Accept Discover.....................The same happened to Me at Pollo Tropical Restaurant, They Do NOT Take Discover and forget about paying your METRO PCS BILL with Discover because METRO PCS Do NOT take Discover neither.......................
Photo of Scotch T.
Jul 3, 2015
Not a while ago I had been getting a lot of offers from discover to try out their new card and so I gave it a try. I have been using it for about 2-3 months now and it is absolute garbage. Their customer service and online website is even more horrible. The thing I like about it is that it has no over limit fee so if you buy something really expensive that is over your limit you won't have to face a penalty.
Photo of Ryan W.
Jun 18, 2015
I do not like this credit card at all. I am actually considering paying off the balance and canceling the card. My normal interest rate is way too high for me to comfortably pay especially when I have so many other options when it comes to using credit cards.
Photo of Kit H.
May 16, 2015
I love this card! The minimum payment is low, the cash back is excellent, and signing up for the bonuses is easy. I'm a young adult trying to improve my credit score, and using this card makes that a lot simpler. I have also received fast, excellent customer service every time I've had to call them.
Photo of Samantha S.
May 4, 2015
I was getting a lot of "preapproved for a card" mail from other places, and I would usually check them out but none of them looked as appealing as the Discover It card. They often had too many stipulations or they weren't transparent with their rewards policies. I like that this card offers 1% all the time because I can use it for large purchases or big bills, and I really like the 5% back system. Being able to use the cashback was a little confusing when I tried to apply it to my Amazon bill. Apparently if you want to use it, it will not show as being applied more
Photo of Michelle V.
Apr 23, 2015
Discover has been fairly good to me since receiving my Discover IT card.

I originally purchased the card because I had moved to a new state and needed float money while I searched for a job. The card came super quick with a reasonable limit on it. It helped while I found a new job and the cash reward bonus was very good too. When I first purchased it I was unable to throw the Cash Back into the card, recently that changed and I am very appreciative of it. I was able to get an additional $50 payment to the card while I pay it back.

Last year the more
Photo of Whitney B.
Apr 21, 2015
I love this credit card. I first got it about a year and a half ago and it had a 0% APR introductory period of 12 months. Initially, when I was looking for a new credit card, I wanted something that didn't have any annual fees and I also wanted to be able to earn rewards with it. We recently built a house and this credit card has literally saved us THOUSANDS of dollars. It offers quarterly reward boost months in which you can receive 5% cash back on all purchases at specified retailers. Thankfully, when we were building, we were able to get 5% cashback on all our appliances, more
Photo of Kayla T.
Mar 27, 2015
I really love having a credit card through Discover. Not only do they have outstanding customer service and are willing to work with you if something unforeseen happens, but they just are some of the friendliest people I've dealt with when asking general questions. The cashback feature is great and helps a lot. I try to use credit as little as possible, but Discover is the one card I feel safe using.
Photo of Portia H.
Feb 17, 2015
Everytime I use the card I get a 5% cash back rewards which comes in handy.
Photo of Haley C.
Feb 10, 2015
I really like this card, mainly because the customer service is just outstanding.
Photo of Robert S.
Jan 30, 2015
I have had this card for almost 8 months now and have loved having it from the moment I got accepted. I enjoy the benefits of having 100% human based customer service 24 hours a day. It is nice knowing that 1% of every purchase I make gets cash back, and on some items I get 5% depending on what the specials are that quarter. I have made a lot of money back using the card. It is a very sound choice for credit card due to its great support, and amazing perks. I definitely would suggest this to anyone who is in the market for a new card.
Photo of Michael L.
Jan 13, 2015
I've been a Discover Card holder for more than 20 years and it's the best card ever. I get 5% Cashback just for using it which adds up on gas. It's also nice to know I can call and speak with a human representative 24 hours a day in case I need to inquire about anything I need to know on my purchases. A while back I had erroneous purchases placed on my card and was alerted by phone immediately to make sure the purchases were authorized. In addition, the no annual fee is a huge plus as well as the no overlimit fee. It's the best card to be more
Photo of Will B.
Dec 16, 2014
The It card is reasonable and great for a college student. It's been super convenient.
Photo of Lindsay E.
Nov 28, 2014
I love my Discover card. They are very understanding and willing to help. It was my very first credit card and I would never go with another company. The card has great benefits and the credit limit is reasonable. Their customer service is the best in the area.
Photo of Libby N.
Nov 28, 2014
I am very happy with my Discover card. It makes it easy to get cashback rewards and the quarterly extra cash back categories are accessible and realistic (not obscure categories that I'm not going to make purchases in). I only occasionally have trouble with places not accepting the card, but that hasn't happened for awhile.
Photo of Rachel W.
Nov 20, 2014
I really love my discover card. I like the cash back rewards that I get from it, and I like the updates that they send to my email. The only thing I don't like about it is that it's not accepted everywhere, especially abroad. I do love that there is no fee though. I would recommend this card.
Photo of Elizabeth M.
Nov 18, 2014
The Discover It card is a great card to have. One benefit is the first time you are late with the payment, there is no fee. Also the customer service is great, any time I have any questions or need help with anything they are very friendly and are quick to provide a solution. I would recommend this credit card to anyone.
Photo of Peter D.
Nov 14, 2014
I have been a discover card holder for the last 14 years and like their 0% balance transfers and low interest rates. I don't think there are many cards out there anymore that offer rates in the 7% range like Discover does.
Photo of Cornelius V.
Nov 10, 2014
Discover It is a great card to have. The benefits of having the card are great! One of the benefits that you get with Discover It is not having to pay penalties on your first late payment, they forgive it for the first time. Customer service is great too! Don't have to wait on the phone talking to a robot. Plus, they will even lower your APR if you lose your job! Overall it is a great credit card to have!
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Last updated on: Apr 27th, 2016 at 8:19 EDT

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