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Discover it®


See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.


Discover it® is a Personal Discover Network card with $0 annual fee.

Intro APR Intro Period as long as Regular APR
Purchases 0%12 months11.24% - 23.24% Variable*
Balance Transfers 0%12 months11.24% - 23.24% Variable*
Cash Advances N/AN/A25.24% Variable*

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    0% introductory APR for 12 months. After that, your APR will be 11.24% to 23.24% Variable* based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for 12 months. After that, your APR will be 11.24% to 23.24% Variable* based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Cash Advances
    APR will be 25.24% Variable* based on your creditworthiness and other factors.
  • Paying Interest for Purchases
    You usually have at least 25 days after the close of each billing cycle to pay your entire balance to avoid interest. If you are charged interest, the charge will be no less than $0.50

    Fees

  • Annual Fee
    $0 annual fee
  • Balance Transfer Transaction Fee
    3% of the amount of each transfer.
  • Cash Advance Transaction Fee
    Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee
    0% of the amount of each transaction.
  • Late Payment Fee
    None the first time you pay late. After that, up to $35.
  • Returned Payment Fee
    Up to $35
 

Discover it®

Chase Freedom®

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 12 months0% Intro APR for 15 Months
Introductory APR for Balance Transfers0% introductory APR for 12 months0% Intro APR for 15 Months
Purchase APR11.24% to 23.24% Variable* based on your creditworthiness and other factors14.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfers APR11.24% to 23.24% Variable* based on your creditworthiness and other factors14.24% to 23.24% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).Introductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Cash Back RewardsCash Back Rewards: 1% cash back on all other purchases.Cash Back Rewards: Unlimited 1% cash back on all other purchases - it's automatic
Bonus Cash BackBonus Cash Back: 5% cash back on up to $1,500 in purchases in categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2016:
January - March 2016: 5% on up to $1,500 in purchases at Gas Stations and for Ground Transportation
April - June 2016: 5% on up to $1,500 in purchases at Restaurants and Movies
July - September 2016: 5% on up to $1,500 in purchases at Home Improvement Stores and Amazon.com
October - December 2016: TBA August 2016
Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. It's free and easy to activate your bonus each quarter.
Bonus Categories for 2016:
Q1 (January 1 – March 31, 2016): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2016): Grocery stores (not including Walmart®, Target®, discount or warehouse club store purchases)
Q3 (July 1 – September 30, 2016): Restaurants (details TBA)
Q4 (October 1 – December 31, 2016): Holiday shopping (details TBA)
Smart Chip
 Learn More for Discover itLearn More for Chase Freedom

Discover It: Pricing information including interest rates, rewards, benefits and fees were obtained on January 4, 2016 from published websites and are believed to be accurate, but not guaranteed.

Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on March 15, 2016 from published websites and are believed to be accurate, but not guaranteed.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Discover it® and Chase Freedom® have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Complete Card Details

  • Pricing information including interest rates, rewards, benefits and fees were obtained on January 4, 2016 from published websites and are believed to be accurate, but not guaranteed.
  • While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover.

Disclaimer: The information for the Discover it® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Articles on Discover it®

    Discover It Credit Card Review

    January 11, 2013 - By David R - Reviews
    A generous cash back and promotional low interest offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available.

    Is Discover It a Good Credit Card

    October 31, 2014 - By Leah Norris - Reviews
    Is Discover It worth it? The most popular offering by Discover can be well worth the application for the following 10 reasons. To round out this list, we’ll also give you 3 reasons why you might want to look elsewhere ...

Recent Mentions


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Compare Discover It to:


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 15 Months
0% Intro APR for 15 Months
14.24% - 23.24% Variable
$0

Blue Cash Everyday Card from American Express
  • Special Offer - Get up to $300 back. Offer Ends 6/15/2016.
  • Get Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 2% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
11.24% - 23.24% Variable*
$0

Disclaimer: The information for the Chase Freedom® and Discover it® Chrome have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: 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 any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.