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.
- Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 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% | 14 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 Discover it?
Discover it'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 still 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.
| Card Issued By: | Discover |
| Card Type: | Discover |
| Card Category: | Low Intro Rate, Cash Back |
| Card Class: | Other |
| Maximum Credit Line: | N/A |
| 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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