Discover it® - New! Double Cash Back your first year

Card Details

 

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Your Rating:

3.7/5.0 from 425 Cardholder Reviews Over the Past 60 Days!

(425) Over the Past 60 Days!

  • Regular Purchase APR

    10.99% - 22.99%* (Variable)

  • Intro Purchase APR

    0% for 12 Months

  • Intro BT APR

    0% for 12 Months

  • Annual Fees

    $0

  • Credit Needed

    660+

    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • New! Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 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.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."

Card Fees

Late Payment Fees None

Foreign Transaction Fee 0%

Balance Transfer Fee 3%

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee $35

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap 5% rewards categories cap at $1,500/quarter

Rewards Rate 5%

Annual Fee $0

Grace Period 25 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Travel Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

With the Discover it credit card you can earn a solid 1% cash back on all of your purchases, plus 5% of your purchases that are made in specially designated bonus cash back categories. The strong earnings categories change on a regular basis through the cash back program calendar associated with the Discover More credit card program – but they typically include such popular ones as products and services related to travel, dining, groceries, and gas. As an exclusive offer, you can earn double cash back at the end of your first year of cardmembership.*

The cash back you earn won't expire as long as your account is open and in good standing, and it's very easy to redeem the cash back you've earned as a statement credit credit towards your account. You can also redeem the accumulated rewards by making a charitable contribution of your liking, or by converting them into purchase power for merchandise or gift cards.

The Discover it credit card additionally offers new card members a 0% introductory APR for 12 months from the date of account opening, followed by an APR that can be as low as 10.99% if your credit rating is high enough to be eligible.There is also no annual fee, rounding out the host of benefits and cash back opportunities available from this unique rewards card.

Expert Reviews of the Discover it® - New! Double Cash Back your first year

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

The Discover it credit card gives its cardholders more in terms of cash back opportunities that are coupled with an attractive 0% introductory APR and no annual fee. For those who are shopping for a good cash back program, the Discover it is definitely worth looking into as a solid choice.

The Good

There is no annual fee, 0% APR for 12 months, and you can earn 5% back in rotating categories and a dependable 1% cash back on everything else – plus as an exclusive offer, you can earn double miles at the end of your first year of cardmembership.*

The Not so Good

Many of the best bonus programs are based on special time-limited promotions or are gained by shopping in designated stores that have special arrangements with Discover. So if you don’t take advantage of those you won’t enjoy some of the most rewarding features of the card.

Consumer Reviews

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Overall Rating

3.7/5.0

425 Total Ratings

5 Star
 
 
(90)
4 Star
 
 
(180)
3 Star
 
 
(116)
2 Star
 
 
(28)
1 Star
 
 
(11)

Your Rating

+402 users submitted a rating without a full review

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1 Found this review helpful

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By: | Aug 17, 2015

We have had Discover card for many years and use to like it. Now we don't as much because the percent awards is not very good. Also they cancelled the Discover Gift cards that I always got with points as Christmas presents. Now I get more point rewards with a VISA card.

12 Found this review helpful

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By: | Oct 7, 2014

I love my Discover Card. I always be sure to sign up for the special 5% cashback which can really add up - every three months they change to a different category like online purchases, travel, gas, or grocery stores. I also really like the Shop Discover program - they have a huge number of retailers and on most you can get at least 5% cash back if you shop online through the Shop Discover site.

8 Found this review helpful

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By: | Oct 7, 2014

I have dealt with Discover for years, both credit cards and personal loans. They are fantastic. Fraud protection is top notch. You never have to worry about a fraudulent charge, they will handle it. No foreign transaction fees is great too when traveling abroad, which I do quite often. With so many credit card options, no annual fee is a must and Discover is on board. Who doesn't want cash back? I do wish the categories aligned with my spending better but there are so many other benefits that I just use another cashback card when I have to.

6 Found this review helpful

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By: | Oct 7, 2014

I've had this card only for about a year, but i am very happy with it. The zero apr for 14 months is awesome. Theres no annual fee which is awesome and their cashback rewards are really great as well.

7 Found this review helpful

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By: | Oct 7, 2014

Hands down the best credit card company I've ever dealt with. I love the fact that their call centers are in the United States. The few times I have needed to call everyone is very polite good customer service goes a long way.

5 Found this review helpful

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By: | Sep 22, 2014

We have been long time (1986) customers of Discover but are now looking for another card because we have spent over 5,000 and they gave us .25 percent on our monthly purchases. Another time they had 5 percent on travel and we pent 5,000 and they did not even reward us even after we called them. The only thing we like about them is the secure account numbers which now other credit cards now do. We have not gotten any credit for purchases repeatedly after calling them. So now it is time to stop using and get another card.

9 Found this review helpful

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By: | Sep 22, 2014

An awesome card if you want cash back. The only downside I have seen is that Discover isn't accepted in as many places as Visa and Mastercard.

3 Found this review helpful

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By: | Sep 22, 2014

I've had this card since 1986. Since they started giving less than .5% on the first $3,000, I only use it for their 5.0% offers, and let me tell you, the cash back adds up quickly. If they went back to the 1% on the first $3,000, I'd use it for everything. Read the fine print on that yearly discount.

10 Found this review helpful

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By: | Oct 10, 2014

I love my Discover It card! It has a low APR and excellent customer service with minimal wait times!

7 Found this review helpful

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By: | Oct 7, 2014

I've been with Discover for a while and they are acceptable at best. Their website has improved some and is better than it has been in the past. The rewards are slow and did not accumulate very quickly. I don't have much experience with their cash back though.

6 Found this review helpful

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By: | Oct 8, 2014

Great card, customer service actually answers as opposed to an automated system. Cash back categories make sense and follow the season and holidays. For example, Oct-Dec you get 5% back on online shopping and dept stores. I have had this card for two years, I use it when making purchases online for the protection and the one time I had an issue with a merchant Discover handled it one hundred percent and I never had to get involved beyond making the initial phone call to customer service.

5 Found this review helpful

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By: | Sep 22, 2014

Cash rewards is a trick which most banks use for their marketing... when it comes to claim your rewards they use different tricks to policies which confuse clients and customers. Read careful their policies and you will find many limits, restrictions, and rules such as minimum spending, reward limits, time lines, and intro periods. Unlimited cash rewards is a thing which other banks can't really offer. Discover doesn't confuse people and keep unlimited cash reward program for everybody. I always pay full amount without paying interest, it gives me cash rewards and extra money every month.

8 Found this review helpful

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By: | Oct 7, 2014

I love that this card doesn't have an annual fee. 14 months at 0% APR is longer than most credit cards so I like that too. 5% on online purchases is AMAZING to me! I love shopping online and get rewarded to do so is a big bonus to me. One important thing to me is customer service. The fact that the call center is US based is perfect! This is a major factor to me. This card also allows you to get your free FICO score is another plus. I would highly recommend this card to anyone with good to excellent credit.

4 Found this review helpful

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By: | Sep 22, 2014

starting January 2012 Discover has raised their 5% purchase limits to$1500 per three month period from thier former $300 limit.

3 Found this review helpful

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By: | Oct 8, 2014

Best cash back card for online purchases. the amount of cash back is great like 10% on groupon or hotels.com. Also has very rewarding quarterly and other periodic promotions. The speed at which the cash back accrues is not a best feature of this card. Also there are limits on minimum that you can cash out.

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