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3.7/5.0 from 196 Offer Ratings
Over the Past 60 Days!
Late Payment Fees No late fee on your first late payment*
Foreign Transaction Fee None
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 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 towards your account. You can also redeem the accumulated rewards by making a charitable contribution of your liking, or by converting them into purchasing power for merchandise or gift cards.
The Discover it credit card additionally offers new card members a 0% introductory APR for 18 months on balance transfers from the date of account opening. There is also no annual fee, rounding out the host of benefits and cash back opportunities available from this unique rewards card.
By offering an excellent cash back program, a great balance transfer offer, and no annual fee, this credit card is a great choice for just about anyone.
There is no limit to the amount of cash back you can earn with the dollar-for-dollar match intro offer, so you could rake in a huge sum of rewards during your first year. Also, having no annual fee and 18 months of 0% APR on balance transfers makes this a great choice for people trying to save money on balance transfers.
This may not be the card for you if you want to earn a consistent rewards rate on all of your purchases.
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 may not have been reviewed, approved or otherwise endorsed by Discover.
196 Total Ratings