Discover it®

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.

This card is currently one of our picks for the Best Rewards Credit Cards and Best Balance Transfer Credit Cards.

New cardmembers get double cash back on earned rewards at the end of their first year.

Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.
Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Quick View

Quick View

  • Rewards
    • 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

Card Benefits

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.

Perks

  • 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.

Account Management

  • 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.

  • Card Replacement

    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.

Security

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Social Security Number Alerts

    Sign up for free alerts and Discover will notify you if they find your SSN on any of thousands of risky websites, and if any new accounts are opened on your Experian credit report.

Shopping

  • Purchase Protection

    Provides coverage against damage or theft, up to $500 per eligible item.

  • Price Protection

    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.

  • Return Guarantee

    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.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

Travel

  • 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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

The Insider

John Ganotis
Review of the Amazon.com Store Card
John Ganotis | Dec 15, 2017

Read More
John Ganotis
Can You Buy Bitcoin with a Credit Card? Should You?
John Ganotis | Dec 14, 2017

Learn how buying Bitcoin on a credit card impact your credit scores, and what you should look out for. Read this to get those questions answered and more.

Read More
Brendan Harkness
Review of the Deserve Classic, Edu, and Pro Credit Cards
Brendan Harkness | Dec 13, 2017

The Deserve credit cards are designed for people with limited or poor credit, checking your education and future prospects when you apply for them.

Read More