- 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 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.
- 100% U.S.- based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
- 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While reasonable effort has been made to maintain accurate information, the information shown on this site may vary, be out of date, or not applicable to you.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 Personal.
The Discover it® ranks 1 out of 28 Personal Cards. This ranking is based on our analysis of our 19 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.
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.
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.