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.
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.
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.
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.