Discover it®

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3.3/5.0 from 87 Cardholder Reviews

 

87 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

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.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • 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.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 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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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

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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

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Teresa Womersley,
North Charleston

 

compare now

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

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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

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Stephania Green,
Grosse Pointe

 
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Overall Rating

3.3

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Your Rating:

+79 users submitted a rating without a full review

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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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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.

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I don't recommend to apply for Discover and AMEX.

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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.

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I only gave it 3/5 for "Standard APR", but this is entirely based on your creditworthiness, so you may get a different APR (Mine is 17.99%). One thing to note, however, is that your first $3000 in purchases in a given year only earn you 0.48% cash back, everything after that is 1%. This is hidden in the fine print of the cardmember agreement. Aside from that, I love that you can get 5% cash back on certain purchase categories that change every 3 months (but you have to opt in each time).

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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.

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