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Discover it®

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Editor’s Rating — Great For: Cash back rewards in revolving categories like dining, travel or gas.

  • 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.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for us paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 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.
  • U.S.- based customer service--anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Credit Needed: Excellent

Average Approved Score: 711*

Lowest Approved Score: 676*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%14 Months 0%14 Months 10.99% – 22.99%* Variable $0

Discover it® Reviews

4.6/5 (Average rating from 499 total reviews.)

Most Popular Review

All Recent Reviews


Now it's extremely difficult to find a credit card company who actually delivers on "gimmick promises", not with discover. I have had this card (converted from more card to add spouse as joint)  for 3 years and nothing but dedicated and efficient customer service. Never any issues, have had numerous request and insight answered and efficiently handled. My only gripe would be it's my lowest limit card. With a high FICO (747-791) depending on which CRA they have never given me a CL increase. Current limit 2,500 my lowest! I never carry balances and pay in full. Reward are great!! Recommend this card to anyone! I have all the major bank cards but discover outshines them all!! 

Reviewed by: Brian210


Having this card for last 15 months. they have been increasing the Credit limits consistently, but not though hugely initially. Recently purchased my Macbook pro and chatted with Discover agent and they offered me 14 months apr with 0% till 2015 sep. The good things above all is the rotating 5% cash back. 

They recently bumped the credit limit from 1250$ to 2800$. Nice card. 

Reviewed by: karthikshanth


Great card to have, have found on rare occasions Discover is not excepted everywhere.

Reviewed by: Drakkardnoir


after applying to the discover it card, i was not sure how much credit i was give. Therefore, i contacted it them on Twitter. An agent reffered me to the customer service number i called and i was greated very pleseantly, agent then went to congratulate me and i was then told i was approved for a $5000.00 credit line. which was beyond my expectations. my ck said i was on 714. i still yet to find out my apr. but overall i am happy as my credit score should receive a nice bump. i have a car loan, another boa cash rewards and a macys credit card. So if you are reading this dont be afraid to apply.

Reviewed by: KingBishop89


I applied for the Discover It card online this past Saturday and was instantly approved. I was constantly receiving pre-approval offers in the mail, and this last one offered a 12.99% APR (which is what I got). Like all other reviews I read here, I didn't know my credit limit or APR until I received the card in the mail, which was yesterday. The inquiry was run through Equifax, based on another credit monitoring website I'm a member of, but the approval letter said I was approved based on my TransUnion score of 756. I received a credit limit of $6k at 12.99% APR. I'm mainly taking advantage of the 0% APR for balance transfers for 12 months. The 12-month 0% APR for purchases is nice also, along with the cash rewards. I was also just trying to round out my credit with more accounts, since I've only had 13 credit accounts. I've had one credit card for 5 years through Navy Federal, which started at a $1k limit and is now at $14.7K at 15.15%. I had applied for a credit card through USAA back in April and was instantly approved for $14k at 12.9%, so this Discover card was a low start for me. But I've always heard that credit card companies will usually give a lower limit at a higher APR as opposed to a credit card from a bank. So overall, not a bad deal from Discover. I'm satisfied.

Reviewed by: Kanaloa88


The card was easy to get with my excellent credit score, but 18.99% interest is just too high. I'll keep the card but I won't use it.

Reviewed by: markandiris


My Discover-it card was my first credit card over a year ago, where I was approved for a 1k CL which was later increased to 1.5k per my request. I always love the rewards but did not have the purchasing powerto feel confortable using the card until recently when Discover randomly increased my CL to 4k. With the additional purchasing power and the ability to use my cash back rewards on Amazon.com, my Discover card has become my primary and favorite credit card. 

FYI I have a Citi Simplicity, CapitalOne QuickSilver, and a Best Buy credit card. 

Therefore, I highly recommend the Discover-it card and to stick with it

Reviewed by: aisinlahjr


Discover had been sending me preapproval letters very often for the last few months and I haven't really been needing a new card, but I got that itch and really liked the rewards this card has to offer and the fact there is no annual fee. Also, I had a crappy Credit One card that I wanted to replace since my credit has made some nice improvements in the last year. I had a 721 score on CK and 14 inquiries so I would certainly understand being denied, but decided to just give it a try. After applying online and being directed to a second page to clarify some income, employment and education information, I was approved! I didn't know my limit until the card came in today, and I was floored to read that they gave me a $7500 line! That's 3X my highest limit before this card. Haven't really used their customer service yet but I know there are good things to come with this card.

Reviewed by: counter23


All I can say is Discover is the best card I have ever had, as their slogain says. 'We treat you like you want to be treated' and they do. If you don't have one get it.. Again best card ever, the customer services is great they try to bend over backwards to take care of you as a customer. 

Reviewed by: woodw7


CK stated that I had only a "Fair" approval odd and a CK cs of 706. However, my actual FICO scores are  approx 50 pts higher.  I received an instant approval for $5300, my highest SL to date.  When I called to activate the card, I was surprised that an actual human answered the phone and not an autobot, lol.  0% APR on purchases and transfers for the first 14 months, no annual fee, free FICO scores, and US based customer service, what more could you want.

Reviewed by: mssthrnbelle

* This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.

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