Discover it®

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Interest Rates

  • Introductory Rate: 0% Intro APR* on purchases and balance transfers for 12 months
  • APR (Purchases): 10.99%-22.99% Variable
  • APR (Cash Advances): 24.99% Variable

Fees & Details

  • Annual Fee: $0
  • Grace Period: N/A
  • Late Payment Fee: None the first time you pay late. After that, up to $35.
  • Over-The-Limit Fee: N/A
  • Cash Advance Fee: $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: 3% of the amount of each transfer.
  • Foreign Transaction Fee: No foreign transaction fee
  • EMV Compatible: Yes

Rewards Program

  • Points per Dollar: 1% cashback bonus on all eligible purchases
  • Additional Points: 5% bonus on revolving categories when you sign up*
  • Point Details: Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • Expiration: N/A
  • Yearly Limit: N/A

The Discover it® card is an excellent option for those looking for a 0% introductory rate, good cash back rewards and no annual fee. Contrary to popular belief, Discover cards are accepted at many locations throughout the world. The card also has a relatively lower on-going purchase APR.

Key Features Of The Discover it® Card

Introductory APR: 0% introductory APR on purchases and balance transfers for 12 months from opening the card. A 3% fee applies to each transferred balance.

Fantastic Rewards Program: Discover offers 1% cash back on all eligible purchases. However, Discover also gives 5% cash back on revolving categories that change each quarter up to the quarterly maximum after you sign up.  Plus as an exclusive offer you can double all the cash back you've earned at the end of your first year -- automatically.*

Lower On-Going Purchase APR: If you plan on carrying a balance after the introductory period, this card has a relatively low on-going purchase APR based on credit worthiness.

Freeze ItSM:  New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*

Main Advantages

Fee Structure: This card does not have any annual fee and the issuer is fair when it comes to late payment fees and over-the-limit-fees.

FICO Scores: Discover will provide you with your free FICO score online, via their mobile app, and on your monthly statement to help you stay on top of your credit*.

Fraud Protection: Discover monitor's your card every day, and if something looks suspicious they will notify you via e-mail, phone, or text message.  Plus with your Discover card, you're never liable for unauthorized purchases.

Main Disadvantages

Added Perks: Some other cards offer additional travel perks and benefits, which this card does not have. But those perks usually come with an annual fee.

Designed For Better Credit: This card is not designed for those with poor or fair credit scores, so keep this in mind when comparing cards.

Editor's Final Word

The Discover it® card is a fantastic card for those with a strong credit profile who are looking for on-going cash back rewards, good customer service and an attractive introductory period. With no annual fee and low fee structures, this card has very few drawbacks. Plus, Discover is now accepted at more locations around the world than ever before. It's tough to pass up an offer as attractive as this!

*See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

To apply for the Discover it®, click here to be redirected to the issuer's website.

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