Credit Card Review & Application

Discover it Credit Card


out of 5

- 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
- Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
- 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements*.
- No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100% U.S.- based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

Introductory APR: 0%*
Introductory Period: 14 months
APR on Purchases: 10.99% - 22.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Credit Needed: Excellent*

The Discover It card is designed for those looking for real benefits without paying a lot to get each of them. There is no annual fee on the card. Additionally, there is a low APR, which is given based upon credit score. After that, the benefits continue year-round at no cost to cardholders.

It all starts with the credit application. It's available online, providing convenience. It will request a social security number, basic personal information, employer details and other specifics. The application can be submitted online over a secure connection. Additionally, it's possible to have the application approved online, often within a few minutes.

Upon receiving approval, the card will be delivered quickly, giving cardholders the opportunity to begin spending right away. The card is accepted by over 90% of the top thousand online retailers as well as with over 8 million merchants around the globe. The card can be used online, over the phone, on a mobile phone and of course, in person. The account can also be used to transfer balances from other cards to take advantage of the low APR.

Paying the bill is one of the easiest aspects with the card. The APR will not go up in the event that a payment is made late. Bills can be paid over the phone, with a check in the mail or online for the convenience of the cardholder. It's also possible to change the due date of the bill online, based upon what's easiest for the cardholder in conjunction with when other bills are due. The bill can be paid all the way up until midnight on the due date without it being considered late.

The card can be used internationally. If a cardholder decides to travel, they will have the ability to take their card with them. There will be no foreign transaction fees, which can add up to a significant savings over the course of a vacation or business travel.

Discover does not charge an over limit fee. In the event that a cardholder exceeds their credit line, there will be no penalty charge. The credit line is provided at the time the card is approved. Throughout the year, the card will be reviewed automatically for credit line increases. It is also possible for a cardholder to call customer service and ask for the account to be reviewed in order to get a higher credit line.

Customer service operates 24 hours a day, 365 days a year. The customer service is based completely in the U.S., ensuring there is no language barrier between representative and cardholder. With customer service, it's possible to ask about benefits, questions on the account and much more.

With every purchase, cash back is earned. 1% of all purchases go into the cash back account. A cardholder can continue letting the cash back accrue until they are ready to redeem - either in the form of an account credit or with a check or gift card sent out in the mail. Quarterly, Discover offers 5% cash back in certain categories, making it easier to earn cash back. These categories change regularly and can include gas stations, gyms, travel and more.

There is a cashback concierge that can be contacted as well. This allows cardholders to have their account reviewed by a representative to help them maximize their cash back throughout the year. With such an analysis, cardholders can make the most of their card.

Various account management features exist with the card. There is a mobile app, which can be downloaded to a smartphone. This allows cardholders to learn of their balance and available credit, as well as pay a bill from anywhere. There is also the online account portal. From there, balance and credit information is available, as well as bill pay, the ability to contact customer service and even the ability to download statements. Further, paper statements can be mailed to the home of the cardholder for added benefit.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Reward Cards
- Gas Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*s.
- 1% cash back on all other purchases automatically.*
Expiration: None
Yearly Limit: None*
Other Benefits: *See Terms and Conditions for Other Benefits
Comments: See Discover's application for complete Terms & Conditions.
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 14 months*
APR on Purchases: 10.99% - 22.99% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: $0.50
Late Payment Fee: $0.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
APR Cash Advances: 24.99%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees Returned Payment: Up to $35.00

We do not offer online application for this card at the moment.

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† The information provided for Discover it® Credit Card is believed to be accurate at the time of evaluation (Oct 31, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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