Discover it® Credit Card

discover it
Required Credit Score:
Excellent
4 686 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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Existing Cardholders
 
 
 

Discover it® Credit Card’s Rewards

Bonus
None
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
No
  • Get 5% Cashback Bonus on up to $1,500 in Home Improvement Stores, Department Stores, and Amazon.com purchases from July through September 2015
  • Earn 1% cash back on all other purchases.
  • 5% to 20% Cashback Bonus through the exclusive online shopping mall
  • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout
  • Double all cash back at the end of your first year.

Discover it® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
0% for 12 months
Regular Rate
10.99% - 22.99% (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
    24.99% (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
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Discover it® Credit Card Reviews

 
Your Rating: 0 edit
Your Rating:
0
1 2 3 4 5
 
4.2
Overall Rating: 4.2 / 5
Total Ratings: 686
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Jul 24, 2015
Photo of Logitech S.
4
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.
Jul 9, 2015
Photo of Bob S.
2
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.......................
Jul 3, 2015
Photo of Scotch T.
2
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.
Jun 18, 2015
Photo of Ryan W.
2
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.
May 16, 2015
Photo of Kit H.
5
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.
May 4, 2015
Photo of Samantha S.
5
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
Apr 23, 2015
Photo of Michelle V.
4
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
Apr 21, 2015
Photo of Whitney B.
5
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
Mar 27, 2015
Photo of Kayla T.
5
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.
Feb 17, 2015
Photo of Portia H.
5
Feb 17, 2015
Everytime I use the card I get a 5% cash back rewards which comes in handy.
Feb 10, 2015
Photo of Haley C.
5
Feb 10, 2015
I really like this card, mainly because the customer service is just outstanding.
Jan 30, 2015
Photo of Robert S.
5
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.
Jan 13, 2015
Photo of Michael L.
5
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
Dec 16, 2014
Photo of Will B.
5
Dec 16, 2014
The It card is reasonable and great for a college student. It's been super convenient.
Nov 28, 2014
Photo of Lindsay E.
5
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.
Nov 28, 2014
Photo of Libby N.
4
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.
Nov 20, 2014
Photo of Rachel W.
4
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.
Nov 18, 2014
Photo of Elizabeth M.
5
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.
Nov 14, 2014
Photo of Peter D.
4
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.
Nov 10, 2014
Photo of Cornelius V.
5
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!
Nov 7, 2014
Photo of Lori R.
5
Nov 7, 2014
The cashback awards are great, 1% with additional percentage off in certain categories. I received a 0% line of credit to pay off another card. The customer service is excellent as well as the fraud prevention services. On more than a couple occasions, I have received a call from them asking if I had attempted certain purchases. One time it was me, and the others they had caught a frauduIent transaction and reversed charges immediately. The dispute charges section on their website is flawless, and has saved me a LOT of money. am waiting for a card from them with the smart chip embedded as 'swiping' the magnetic strip is more
Nov 2, 2014
Photo of Russ B.
5
Nov 2, 2014
Love that it is accepted all over and no matter what I use it for, there is always some form of cash back. Even certain categories will have periodic levels of higher cash back. Like, for a bit there was 5% cash back on gas. Also, customer service has been great. I had to dispute a charge and they were beyond helpful through the whole process.
Oct 29, 2014
Photo of Tien L.
5
Oct 29, 2014
Best credit and free FICO score. Rewards are great too!
Oct 24, 2014
Photo of Tracie T.
5
Oct 24, 2014
I have the discover card. I love this card. The first thing that is great is the online support and options, I also get cashback, up to 5%, on so many things that I use and I love that it changes. One time I can choose to use it for gas and another time for restaurants, the options seem to be available during peak times I would use them most for example for the Christmas season last year I received cash back for on line shopping it was very helpful and I was able to get more because of the points. The thing I like most about the cash back more
Oct 15, 2014
Photo of Gus S.
5
Oct 15, 2014
Love this card.. Great rewards program offer up to 5% of specified purchases every 3 months and 1% on everything else. Awesome customer service was there when i needed them when i lost my card. shut it down and sent a new one out within minutes. And when i had a some business trying to charge me after i had cancelled they told me not to worry about it and that they would take care of it.. And to top it off Monthly FICO score updates included at no charge.. Discover the possibilities for yourself.
Oct 14, 2014
Photo of E. G.
4
Oct 14, 2014
I have not had any issues with my card. I have had issues in the past with other cards. Discover has not harassed me by calling even when I have paid. Also I get great cash rewards on purchases. This is the kind of card that is perfect to use over and over to make money off of my purchases. I love that each month I get an updated FICO score so I can closely monitor my score.
Oct 14, 2014
Photo of Joel B.
4
Oct 14, 2014
We've never had any issues with this card. We were accepted immediately, received the card in good time and were given a very high credit limit compared to some of our other cards. We loved the 5% cash back, although we were a bit disappointed that it was only in certain stores, at certain times of the year. Should have read the fine print, I guess. At least you can make 1% back if you forget to sign up for the cash back bonus. Our other cards have a free FICO credit score on them so that didn't make a difference.
Oct 6, 2014
Photo of Samantha S.
4
Oct 6, 2014
My discover card is great! There is no monthly fee, no interest for 12 months, and as long as you make the minimum payment, there are no problems. I also like that every time I receive my statement, I get a credit score, very helpful and easy to use!
Sep 29, 2014
Photo of Sierra C.
3
Sep 29, 2014
Well it's a credit card first and for most. So obviously it has interest rates. Whats really nice though is this whole 14 month zero percent interest. We we're having some trouble with bills, so we got online and applied for the Discover Card, waited about seven days and received it in the mail. We activated the card and it helped us out so much in the past couple of months. I will say though, one downside is trying to pay your rent in cash with a credit card. A lot of older people don't know about things like the Square Card Reader, so we had to try and get more
Sep 26, 2014
Photo of Leidi A.
5
Sep 26, 2014
this credit card has been the best card i have. it has so many benefits. i love the 0% till next year it is very good.
Sep 18, 2014
Photo of Michael K.
5
Sep 18, 2014
I really like having this credit card because I can get cash back and sometimes the rewards are higher depending on the promotions that are going on. I remember I think I got 5% back on gas for a three month period. The only issue with the cash back I have is that it has to reach twenty dollars before it is available to be used. A feature I really love is that I can see my FICO credit score online when I log in or on any statements I receive in the mail. Overall a great credit card and I have never had any issues or hassles with Discover.
Sep 16, 2014
Photo of Scott F.
4
Sep 16, 2014
Overall, a dependable first credit card. The terms are fair, and getting it has allowed me to build a credit history.
Sep 16, 2014
Photo of Richard P.
4
Sep 16, 2014
This is my first card and so far it has been a positive experience. It has given my credit rating a great boost.
Sep 15, 2014
Photo of David J.
4
Sep 15, 2014
This is the first card i've ever had, and they've always had the best customer service out of any credit line. I will always have a discover card.
Sep 2, 2014
Photo of Dakota P.
5
Sep 2, 2014
I love my discover it card. The cash back bonus is so great, and being able to use it right on Amazon is even better. I love the fact that each statement has your credit score on it. Makes everything so much easier to track.
Aug 24, 2014
Photo of AL D.
2
Aug 24, 2014
i have The DISCOVER Credit Card, i Don't like that METRO PCS does NOT accept it, Also many Hotels DON'T accept it and the other day i went to buy Food at POLLO TROPICAL Restaurant in Florida and when i gave them The Discover Card To Pay for The Food, they gave it right back to me telling me, we DON'T take Discover, in front of everybody in the Line, That was really embarrassing big time, Good thing i also had a VISA and paid with that one, Anyways, The Discover Card is NOT good as your Main Card, Even American Express is more Accepted it than Discover it in more
Aug 20, 2014
Photo of Leslie C.
5
Aug 20, 2014
I love my Discover Card! The Cashback bonuses are fairly generous, and the customer service is great!
Aug 19, 2014
Photo of Micah E.
5
Aug 19, 2014
I love my discover card! There have been many times where it has gotten me out of tough situations during hard times. I love the rewards on gas and the ratings are reasonable.
Aug 11, 2014
Photo of Becky M.
5
Aug 11, 2014
I love this Discover card. I like using my cashback rewards on Amazon.com. Website is helpful & easy to use. Customer service is always great.
Jul 24, 2014
Photo of Stephanie W.
5
Jul 24, 2014
The 14 month 0% interest is unheard of!!! I've had this card for 3 years. I usually use this card for emergencies or when I travel. It is accepted nearly everywhere both nationally and internationally. Pluse when you travel over seas they keep track of the charges and check with you to verify that you are actually on vacation!!! The customer service on this card is one of the best that I have come into contact with. I love this card!!
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Sep 13, 2014
Photo of Sue H.
Sep 13, 2014
How widely is Discover accepted in Italy?
Sep 30, 2014
Photo of Card H.
Sep 30, 2014
Even though Discover cards are accepted in Italy the company doesn’t seem to offer any information related to how widely the cards are accepted. For more relevant information you can go here >> https://www.discover.com/credit-cards/help-center/faqs/europe.html
Jul 26, 2014
Photo of Jennifer W.
Jul 26, 2014
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 perk?
Jul 28, 2014
Photo of Card H.
Jul 28, 2014
After reading the FAQ on the company's site it seems that the Discover it card doesn't offer rental car insurance.
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Last updated on: Jul 24th, 2015 at 11:50 EDT