Discover it®

Discover it® Summary

  • 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."

MyRatePlan's Expert Rating & Review

Discover it® review written by and updated on .

Expert Rating: 4.90 / 5 stars

  • Pros:

    This card does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases. Lastly, the introductory 0% APR period on both purchases and balance transfers is generous.

  • Cons:


  • Our Final Take:

    The Discover it Card is one of the best credit cards available, and one of the highest rated cards at MyRatePlan. You'd be hard-pressed to find another comparable cash back credit card for people with good credit or better.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Discover it®