Discover it® Credit Card

discover it credit card
Required Credit Score: Excellent
4 619 reviews   Write a Review!
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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 Online Shopping and Department Store purchases from October through December 2014.
  • Earn 1% cash back on all other purchases.
  • Get 5-20% cash back at 200+ online retailers like Apple Store, Macy's and BestBuy.com through ShopDiscover.com
  • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout

Discover it® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 14 months
Intro Rate on Transfers
0% for 14 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
  • 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

 
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4.2
Overall Rating: 4.2 / 5
Total Ratings: 619
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Oct 24, 2014
Photo of Tracie T.
5
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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!!
Jun 19, 2014
Photo of Emily M.
4
By:
I have almost nothing negative to say about my Discover Card. Setting it up was easy, and using it is too. Their website is easy to navigate, and paying my bill is very easy. The only issue I ever had was the first day I got my card, every time I tried to use it, the card would lock up and send a message to the company saying it was stolen. It happened during my first 5 transactions. After I called the company they were able to immediately stop the lock and fix it. They were very helpful fixing the problem. Overall I believe if you are in search of more
Jun 19, 2014
Photo of William H.
3
By:
Discover's always done well by me. They were the first company that I applied for credit with. They're flexible with their due dates, and if I ever fell behind, they were always willing to find a solution to put me back in good standing. Their website offers more help than the phone service. They could offer more retailers for you to use your cashback bonuses on, but Amazon is by far the best one.
Jun 12, 2014
Photo of Laura H.
5
By:
This is a great credit card. It is my first and has offered me great interest rates and low payments. Their customer service is so nice when you call them on the phone. They are always willing to help you out. Never have had a negative experience with them EVER. The cash-back reward program is pretty great as well as there are so many options as to what you can apply your rewards towards.
Jun 5, 2014
Photo of Alan B.
5
By:
As far as the credit card goes, it can be challenged by no other. As a recent college graduate, I wanted to start to really increase my credit line. After looking and applying to a few credit cards, Discover was the only company who didn't try and take advantage of my lack of existing credit. They offered me a great interest rate and have allowed me to build a great credit score. Their customer service is also amazing. They have waived two late fees, and have always answered the line when I called. And with Cash-back rewards, I cannot imagine having a different credit card in my wallet.
May 31, 2014
Photo of Meka W.
5
By:
Discover Card was actually my first credit card so I have been an active user for 15 years. I take advantage of all of the award programs and it is still my most frequently used card.
May 8, 2014
Photo of Kendel S.
5
By:
This has been my favorite credit card for over twenty years! I love that my cash back bonus can be used directly through amazon.com, since I frequently shop there. I also love that Discover customer service calls me personally every time a charge is larger than the amount I specified. My husband travels frequently for business, and Discover always calls to make sure the card is in his hand. He once left it in a restaurant, someone stole it, and Discover recognized very quickly a different spending pattern, closed the account out, and sorted the whole mess out for us. There were no repercussions to our credit. I feel very more
Apr 30, 2014
Photo of Micquel S.
5
By:
I have loved the discover card! We usually end up getting a $50 reward every other month or so with our average purchases, and I love the link to your amazon account so you can redeem any amount you'd like if you are buying from there. Their customer service has also always been great every time we have had to call.
Apr 18, 2014
Photo of Matthew S.
1
By:
Over all when I got this card I like the gifts you would get after you purchase items and the intensives that came with it such as low interest. After I didn't use it for about after I year I got things in the mail saying I owed 2700+ dollars to them, I was in shock! Someone took my credit card number and made purchases with my card with out me knowing! its affected my credit and made my life go upside down, the only way to resolve this problem was through mail, the people over the phone stated its a long process and you may not win and you more
Apr 9, 2014
Photo of Leslie J.
5
By:
Discover IT card is the best card I have come across. It has an Introductory offer of 0% APR for 14 months on purchases and transfers, although there is a 3% fee for balance transfers. My fiance and I asked to have a balance transferred from another card when we applied, but they were not able to do it for some reason. We were given a generous credit line. There is no late fee the first time you miss a payment and you can call in and make a payment over the phone until midnight on the day it's due. I was concerned that they wouldn't accept Discover card everywhere, more
Mar 27, 2014
Photo of Melissa L.
5
By:
Discover IT is my most used card in my wallet ! The cash back incentives rotate every 3 months on my card. It has been so nice to eat out at our favorite restaurant and get 5% back on our meal ! I highly recommend this card for the cash back incentives they offer ! The interest is a low 11% as well .. it couldn't be better !!
Mar 26, 2014
Photo of Cheryl R.
5
By:
Discover has an excellent rewards program! They have a lot of options when it comes to their rewards! I can get cash back or get a Visa card. I got use it for a gift for someone. I love it when a rewards program has a lot of options. The more to choose from, the better. My entire family uses Discover. The rewards are endless with discover. Every time I get enough points, I use them towards something different. These options make it entertaining and easy to understand. I just love the variety.
Mar 19, 2014
Photo of Cheryl R.
5
By:
I have had my discover card for a very long time. Recently, someone got a hold of my credit card number and made $800 purchases. I was so freaked out and worried. Before I even knew it had happened, Discover caught it right away. They had already changed my credit card number and were sending me a new credit card. They were on it! I didn't have to worry at all because Discover had it completely under control. I absolutely love this company and love how they go above and beyond. I would recommend to everyone that Discover is the best way to go!
Mar 17, 2014
Photo of Allison M.
5
By:
I have been a Discover Card member since 2003. The best features of the card are the cash back bonuses, you can choose the design of your card, easily access information via their website, and the customer service agents are always friendly.
Mar 19, 2014
Photo of Cheryl R.
Cheryl Rillo
I completely agree! I love being able to choose what kind of bonus I would like back. Another thing is with the cash back, you can choose to have it on a card. You can also customize the card and give it to someone as a gift. It can be a gift for a birthday or special occasion. You can also put the person's name on it to whoever the card will go to. I love that feature!
Mar 7, 2014
Photo of Sharon M.
4
By:
I've been using my Discover Card for a year and I love it, I would never go back to any other card again. Now that I've got the Discover Card, I don't need to. I get 5% cash back on online shopping, and I can get 1% cash back on purchases without an annual fee. The best part of being a Discover Card member has been the customer service. Their representatives are prompt and helpful, and always patient with me considering I'm less phone savvy than the younger generation. My only issue is that less places are taking Discover Card lately. I don't know why that is, but I hope more
Feb 26, 2014
Photo of Anthony T.
2
By:
I have had a Discover card for at least years now. Its APR was quite low when I first got it-- something like 10.99%-- but it inched up over the years and now stands at an exorbitant 20%. As a result, I never use it anymore. You're better off with a Visa card. Those are more widely accepted anyway.
Feb 2, 2014
Photo of Satish C.
5
By:
I'm using my Discover Card for 2 years now and I have nothing less than positive experiences. I earn cash back on purchases yearly 100$ and I don't pay an annual fee. Their customer service is excellent. They make it easy to pay your bill and they really understand the customer. When they say there is late payment forgiveness on your first late payment they really mean it. Sometimes things happen and they understand that. There is no interest on purchases for the first 14 months which I think is very nice, because most credit cards don't give you that long. I can use this card anywhere so they are more
Dec 6, 2013
Photo of Andrew L.
4
By:
Discover is not so widely accepted anymore, but this card was a good choice for purchases outside us. It provides low or 0 foreign purchase fees which is a great convenience for me since I travel outside the country quite often and that I do not like to carry cash while abroad. Discover card is widely accepted in countries I travel to, also this card has very good yearly APR, much better than most of my other credit cards. If you travel abroad a lot and are looking for a card with low FTE, this is the card to choose.
Nov 27, 2013
Photo of Robert J.
4
By:
Using the Discover It card has been a positive experience for me. With the cash back categories, the 5% cash back on all online shopping that comes up from time to time, and the Shop Discover option, I've been able to make great use of the shopping I do online. 0% for 14 months is an introductory rate that can't be beat, and the interest also stays low after that introductory period which I was surprised by. While it's not a good idea to not pay on time, you can get away with that a little more frequently. With regard to customer service, Discover has yet to let me down. Highly recommended.
Nov 26, 2013
Photo of Ashley M.
5
By:
The Discover It card is one of my favorite credit cards. The best thing about it are the special cash back categories that are offered quarterly. This quarter they have 5% cash back on all online shopping. As someone who does a lot of online shopping I've already gotten a lot of cash back in the last 2 months alone. Another great thing about Discover is shopping through Shop Discover. Here I've gotten up to 10% cash back on purchases just by clicking through links on the website. Another awesome thing about this card is that there are no foreign transaction fees which is very hard to find from a more
Nov 20, 2013
Photo of Scott B.
4
By:
This is an excellent rewards card with a few drawbacks. First off, the 0% for 14 months is a great introductory rate and the interest tends to stay low after the introductory period. This is a great card to use to transfer the balance from a card with a high interest rate. Discover's customer service is also generally a step above the other cards and the rewards can be a good deal, so long as you are not looking to rack up a ton of rewards. Speaking of rewards, you have to enroll every quarter which can be kind of annoying if you tend to forget like I do. The more
Nov 11, 2013
Photo of Dan D.
5
By:
The Discover card is a great "all-around" card. They have a fantastic bonus opportunity going on right now where you get 5% cash back on all purchases through the end of the year. So if you use your card for holiday shopping you are getting 5% back on everything. Plus there is their standard 1% back on all purchases which is always valid. You get top notch customer service with Discover as you always talk to a human being on the phone, never an automated reply. You are treated like a human and not just another number to them. I travel a lot to Canada and Mexico, so I was more
Oct 27, 2013
Photo of Tara K.
5
By:
I love my Discover It card! My favorite feature is the late fee forgiveness. I have multiple jobs and am a full-time student, so my schedule is crazy and I sometimes forget to pay bills on time. This results in quite a few late fees over the years, which is why I love my Discover It card. It’s also easy to understand the statements, which are all electronic – very green! When I’ve had to call customer service, my calls were always answered very promptly, and the customer service agents were always extremely helpful and friendly. I have absolutely no complaints about my It card. It’s probably my favorite credit more
Oct 27, 2013
Photo of Amy H.
4
By:
I've had my Discover card since 2006 and after having many many credit cards this is one of two that we have. We always received excellent customer service. We get offers every so often to raise our limit and even just got an offer for a personal loan for 7.99% for up to $25,000. Another nice perk is the cash rewards feature. We still have a nice chunk of rewards, but are waiting for just the right time to use them. Most likely Christmas. You can cash it out, or just put it towards your payment. Our percentage is on the higher side, but when you pay off the balance more
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Sep 13, 2014
Photo of Sue H.
By: Sue Halloran
How widely is Discover accepted in Italy?
Sep 30, 2014
Photo of Card H.
Card Hub
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.
By: Jennifer West
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.
Card Hub
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: Oct 24th, 2014 at 2:53 EDT