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Discover it card

Editor's Rating: 4/5

  • New! We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $100 cash back, we'll double it to $200—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like department stores, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Purchase Intro Purchase APR Bal. Transfer Intro Balance Transfer Fee Credit Needed
12 months
10.99% - 22.99% Variable*
12 months
3% Excellent
Editor's Notes

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 Discover it® card-New! Double Cash Back your first year?
Discover it® card's APR range and introductory offers mostly mirror those of other cash back credit cards, knocking out many of the reasons you might be tempted to switch. However, if you're the kind of person who prefers to ask questions about your account over the phone, you'll love Discover's white-glove approach to customer support. While this card doesn't offer the biggest cash back percentage on the market, it's a serious contender to become your preferred credit card for everyday purchases.

Rate Information
Finance Information
Fee Information
Card Details
Card Issued By: Discover
Card Type: Discover
Card Category: Cash Back, Low Intro Rate, Low Interest, Low Ongoing Rate
Card Class: Other
Maximum Credit Line: N/A
How to Apply: Online Application Form - Click to Apply
General Correspondence Address:

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