Discover it® Find more credit cards from Discover
- Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
- Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
- Human. 100% U.S.-based customer service available any time.
- Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
- Go to issuer's official application, terms, and details
See issuer's website for details including terms and conditions. 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effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you.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. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.
Credit Card Review by CreditDonkey
Editors' Choice for Bonus Cash Back.
The Discover it® ranks 1 out of 6 Bonus Cash Back Credit Cards. This ranking is based on our analysis of our 5 published reviews, and our analysis of the features and benefits.
Editors' Choice for Personal.
The Discover it® ranks 1 out of 29 Personal Cards. This ranking is based on our analysis of our 21 published reviews, and our analysis of the features and benefits.
Discover it® is a Personal Discover Network card with $0 annual fee.
Apply for the Discover It with Discover secure online application.
|Intro APR ||Intro Period as long as ||Regular APR |
|Purchases ||0%||6 months||10.99% - 22.99% Variable*|
|Balance Transfers ||0%||18 months||10.99% - 22.99% Variable*|
|Cash Advances ||N/A||N/A||24.99% Variable*|
Interest Rates & Interest Charges
- Annual Percentage Rate (APR) for Purchases
0% introductory APR for 6 months. After that, your APR will be as low as 10.99% to 22.99% Variable* based on your creditworthiness and other factors.
- Annual Percentage Rate (APR) for Balance Transfers
0% introductory APR for 18 months. After that, your APR will be as low as 10.99% to 22.99% Variable* based on your creditworthiness and other factors.
- Annual Percentage Rate (APR) for Cash Advances
APR will be as low as 24.99% 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
- 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 Exchange 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
Complete Card Details
- For the complete terms and conditions, view the issuer's official application, terms, and details. 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.
Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.
Disclaimer: Discover is a paid advertiser of CreditDonkey.
Articles on Discover it®
A generous cash back and 18-month balance transfer 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.
Compare Discover It to:
- Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
- Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
- 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
- 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- No annual fee and rewards never expire
|Intro APR for Purchases||Intro APR for Balance Transfer||Regular APR||Annual Fee|
0% for 15 months
0% for 15 months
13.99% - 22.99% (Variable)