Discover it® - Double Cash Back your first year

Card Details

 

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3.8/5.0 from 76 Cardholder Reviews Over the Past 60 Days!

(76) Over the Past 60 Days!

  • Regular Purchase APR

    11.24% - 23.24%* (Variable)

  • Intro Purchase APR

    0% for 12 Months

  • Intro BT APR

    0% for 12 Months

  • Annual Fees

    $0*

  • Credit Needed

    Excellent

Highlights

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores 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 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • 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 you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Card Fees

Foreign Transaction Fee 0%

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

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

Rewards Rate 5% on rotating categories & 1% on everything else

Annual Fee $0*

Additional Card Details

$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

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 11.24% 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® - 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 card membership.*

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.

Consumer Reviews

  • star rating mask

Overall Rating

3.8/5.0

76 Total Ratings

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(1)

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+52 users submitted a rating without a full review

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By: | Oct 4, 2015

DISCOVER IT: The BEST CREDIT CARD OFFER EVER! I just applied a little over a month ago, and it has just being PERFECTION! Amazing top-of-the line customer service, and the offers and promotions are just to good to be truth… but THEY ARE!

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By: | Sep 5, 2015

Ridiculously high interest rates for excellent credit. I have an 804 credit score and as a reward, Discover approved me with an 18.99% interest rate. I hate to see what the interest rate would be if I had a score any less than 800. I did receive a 0% intro APR for the next year so I plan to use it until then and cancel. I refuse to pay that kind of interest when I have excellent credit.

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.

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By: | Dec 18, 2014

It gets 5 stars from me. Their personnel are tops to talk to, their response to any purchases that seem higher than usual is superb, they are #1 in my book and this goes back 10+ years. I use them for every expense as it's an easy way to see what I "spend in any given month". They are excellent!

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By: | Oct 27, 2014

No one compares to Discover. Their cash back categories are generous, they let you know in advance and allow easy sign up on-line. Customer service is commendable. I use my discover card 99% of the time -- once in a while a merchant doesn't accept it. Outstanding company, outstanding employees, outstanding service.

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!

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.

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.

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.

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.

3 Found this review helpful

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By: | Oct 7, 2014

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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By: | Oct 7, 2014

top notch at building your credit and establishing credit

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.

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By: | Oct 7, 2014

one of the better cards, easy to use

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.

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