Editor's Rating: 4/5
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| Intro APR | Intro APR Period | Regular APR | Intro Bal. Transfer | Transfer Fee | Credit Needed |
| 0% | 6 Months | 10.99% - 22.99% Variable | 0% | 3% | Excellent |
Card Highlights
This card is best for consumers who want to earn cash back with no annual fee and are looking for a low introductory rate on purchases and balance transfers.
Should you switch to the Discover it Card?
A lengthy zero APR balance transfer offer with a competitive processing fee makes the Discover it Card an attractive option if you want to consolidate debt. However, it's more likely that you'll want to just start your Discover it Card with a clean slate, so you can maximize your rebates. Like other rewards credit cards, Discover it carries a middle-of-the-pack APR that's not suited to carrying a balance beyond the zero interest teaser period. Even if you're holding a cash back card with a bigger reward rate, Discover it's customer service could be enough to lure you away.
| Card Issued By: | Discover |
| Card Type: | Discover |
| Card Category: | Cash Back, Low Intro Rate |
| Card Class: | Other |
| Minimum Credit Limit: | $500 min. |
| How to Apply: | Online Application Form - Click to Apply |
| General Correspondence Address: |
PO Box 30943 Salt Lake City,UT 84130 800 347 2683 |
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"As comprehensive a list as you'll find of all the credit card offers on the table now."
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