Discover it® Credit Card

discover it credit card
Required Credit Score:
Excellent
4 633 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
  • SMART CHIP   No
  • 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: 633
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Nov 28, 2014
Photo of Lindsay E.
5
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
Best credit and free FICO score. Rewards are great too!
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
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Sep 13, 2014
Photo of Sue H.
By:
How widely is Discover accepted in Italy?
Sep 30, 2014
Photo of Card H.
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:
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.
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: Nov 28th, 2014 at 4:30 EST