Discover it®

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3.3/5.0 from 414 Cardholder Reviews

 

414 Cardholder Reviews

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Intro APR: 0% for 14 Months
Regular APR: 10.99% - 22.99%* (Variable)
Intro Balance Transfer: 0% for 14 Months
Ongoing Balance Transfer: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Highlights

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • 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.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Details from the CompareCards.com Editorial Team

From CompareCards.com Editor 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.

For additional earnings you can gain 5% to 20% cash back bonuses by shopping within the program’s exclusive online shopping mall of premium merchants, products, and services. You can then cash out your accumulated rewards points via cash, 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 14 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®

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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 14 months, and you can earn as much as 5 to 20% on certain kinds of purchases – plus a dependable 1% cash back on everything else.

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.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Discover.

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Selected reviews

Educational / User Friendly

I appreciate all the simple, easy-to-read facts that CompareCards offer. Each week CompareCards presents articles to teach the average consumer, lik… Read more

Rhonda Clancey

Rhonda Clancey,
Neenah

 

Above the pack

Tops on the ConsumerAction list says it all Read more

Chris Mettler

Chris Mettler,
Charleston

 

Super helpful

I came here looking for a card to do my balance transfer to and their livechat support was able to suggest the best option, and I was approved! Read more

Teresa Womersley

Teresa Womersley,
North Charleston

 

compare now

helps shopping easier in trying to get the best shopping expericenc Read more

Jane Jakins

Jane Jakins,
Ocean Springs

 

Best website for Credit!

Love this site for credit reports, comparing credit cards and their rates, and finding awesome deals where I actually get MONEY BACK, just for using … Read more

Stephania Green

Stephania Green,
Grosse Pointe

 
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Overall Rating

3.3

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Your Rating:

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2 our of 2 people found this review helpful

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

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2 our of 2 people found this review helpful

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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.

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2 our of 2 people found this review helpful

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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.

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1 our of 1 people found this review helpful

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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.

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0 our of 1 people found this review helpful

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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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0 our of 1 people found this review helpful

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The cash back on this card is amazing, 1-20% on everything. As a student, I seriously looked into this card as my top choice. Unfortunately, I live in a relatively small town and a large amount of the stores and atms don't accept discover.

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top notch at building your credit and establishing credit

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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.

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one of the better cards, easy to use

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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.

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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.

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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.

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

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The cash back bonus built very quickly. The U.S. based customer service is the best in the business. The It card greatly improved the benefits over the More card.

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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.

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