Discover it is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.
New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.
The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR 0% for 14 Months
- Regular Purchase APR 11.99%–23.99% Variable
- 5% Cash Back on Rotating Categories: January through March is Gas and Wholesale Clubs; April through June is Grocery Stores; July through September is Restaurants; and October through December is Amazon.com and Wholesale Clubs
- 1% Cash Back on all other purchases
- Earn 5-20% Cash Back when shopping through the Discover Deals market
- Discover will double your rewards after the first year of use
- Rewards can be used directly at Amazon.com
- Signup Bonus New cardmembers only - Double cash back earned at the end of the first year
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR 0% for 14 Months
- Regular Balance Transfer APR 11.99%–23.99% Variable
- Cash Advance APR 25.99% Variable
- Penalty APR None
- Late Fee $0 the first time; up to $37 after that
- Returned Payment Fee Up to $37
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Free FICO® Credit Score
View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.
Cash At Checkout
When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.
Refer a Friend for Cash Back
Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.
Personalize Your Card
Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.
Pay up until Midnight
You have up until midnight of the due date to pay your bill, online or by phone.
Temporarily Freeze Your Account
Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.
Free overnight shipping in the U.S. if you need your card replaced.
Spend Analyzer Financial Tool
Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.
$0 Fraud Liability Guarantee
Cardholders are not held responsible for unauthorized purchases on this card.
Your card account will be monitored 24/7 for suspicious activity.
Free Social Security Number Alerts
Get alerts if your SSN is found on any thousands of risky websites.
Provides coverage against damage or theft, up to $500 per eligible item.
If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.
Extended Product Warranty
Adds up to 1 year to a manufacturer’s warranty of 3 years or less.
Items can be returned even if the manufacturer won’t take them back, up to $500 and for up to 90 days after the date of purchase.
Auto Rental Insurance
Covers rented vehicles against collision damage when the car rental company’s insurance is declined.
Flight Accident Insurance
You and your family are automatically covered on airline flights, up to $500,000.
Read about experiences others have had with this card and leave your own review here.
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I used to love Discover. Every time I have a question, their staff is knowledgeable and able to get me whatever I need. But when it comes to actually being there for the customer, they are not good at all. I have auto-pay set up. I decided to instead of paying whatever was due for that statement to pay in full. Set up the payment and on the same day, they took the auto pay amount out and shortly after they pulled out the FULL amount which included the auto pay amount and some additional that was not within that month's statement. I was later charged $27 by Discover (my first fee since 2012 by the way).I called to talk about it and they said it's human error. The problem I have is if I put in a request to pay the balance in full, howcome it can't subtract what is due? Howcome it doesn't run the higher payment and see if anything else is due to charge me the second time?? There are 101 ways around this nonsense. I guess Discover lets you overpay so they can bank on the extra amount you put in until your smart enough to realize you overpaid. First fee in 6 years, never once have I not paid the total due me.The customer service rep said it was my problem and they charge me because my bank charged them.Now do I think I'm being a little emotional about this? I am. It's not the $27 that irritates me. It's that 1. They don't have proper logic built into their apps and services to determine that is going to happen and warn the user and 2. They weren't willing to reduce the charge or make any effort to hang on to a customer that's been using them for years. That is true through use of the words "it's a user error" on the phone and through their lack of action.Let's say the fee to them was $20 from my bank and they charged an additional $7 to me as an inconvenience. Even if they had made a small adjustment like that, I could somewhat understand. But back to the lack of built in logic in the service. Totally irritates me.
I applied for this card to earn a sign-up bonus and extend my credit card range. My sign-up bonus was $50 after spending my first purchase as soon as I got one. I was able to meet the bonus requirements easily and enjoy having the bonus deposited in my cash back and then transferred to my checking account. I love that this card makes cash back so easy. I can spend the cash back on Amazon if I like or redeem it as checks or gift cards. It also makes it easy to earn cash back with set percentages and special 5% back categories every quarter. Another great perk is the FICO score every month which makes it easy to monitor my credit health. The points system is great because you don't have to activate anything or take any action - you just start racking up points as you spend. I put almost all my expenses on this card and pay it off each month in full, so I end up with lots of points! I would greatly recommend this card to everyone I know.
This is definitely a great card to start with, as they do seem to be fairly generous in approving those who are new to credit cards. The rewards are great, and occasionally they do throw in a few extra ways to earn a little bonus cash back aside from the quarterly 5% categories. They also forgive you for the first time you make a late payment, so this gives you a chance to learn how to use a credit card responsibly without being penalized for the first time you slip up.
If you later want to request a credit limit increase, you can easily do so online, and it might only require a soft pull. If they do require a hard pull, they will at least tell you and give you a chance to back out if you don't wish to proceed in that case.
One down side is definitely the acceptance rate. Discover is rarely accepted internationally, despite Discover boasting no foreign transaction fees.
The 5% cash back feature of this card is fantastic!