Click the stars to submit your rating.
Thanks for rating!
3.7/5.0 from 620 Offer Ratings
Over the Past 60 Days!
Late Payment Fees No late fee on your first late payment*
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Penalty APR None
Rewards Cap 5% rewards categories cap at $1,500/quarter
Rewards Rate 5% on rotating categories & 1% on everything else
Annual Fee $0
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance No
Purchase Protection Yes
Travel Assistance No
Flight Accident Insurance Yes
Lost Luggage Reimbursement No
Concierge Service No
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, but they typically include popular products and services related to travel, dining, groceries, and gas. As an exclusive offer, Discover will automatically match all of the Cashback you earn during 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 11.24% - 23.24% based on your creditworthiness. There is also no annual fee and no foreign transaction fees and a free FICO® credit score available online and with your monthly statements.
The Discover it credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge sign up bonus in your first year.
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
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.
620 Total Ratings