Compare rewards, interest rates, and apply for the Discover it® now.
Editor’s Rating — — Great For: Cash back rewards in revolving categories like dining, travel or gas.
- Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
- Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
- Human. 100% U.S.-based customer service available any time.
- Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
- Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
- *Click “Apply" to see rates, rewards free FICO® Credit Score terms and other information.
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
4.7/5 (Average rating from 332 total reviews.)
Most Popular Review
I applied for this card on Tuesday. I was instantly approved with a CL of $1200.00. I received the card yesterday via FedEx.
The card comes with quite a few disclosure documents. I noticed in the disclosures that they evaluated my credit worhiness based on a TU score of 656, which is old. My current score is 716. Since they pulled my latest score on Tuesday, I'm surprised that the score they report using is not up-to-date. If anyone can shed some light on that, please do!
Aside from that, I'm pretty excited about having a Discover card. The ratings from other customers seem good. I'm a bit nervous about the variable interest rate which is based on the primte rate (which is currently at historical lows). But I don't plan on carrying a balance.
Lastly, I just want to say that CreditKarma is a really good service. Since becoming a member, I've increased my score by quite a bit and I'm more aware of how different parameters affect my score.
Reviewed by: sisler
All Recent Reviews
I was approved in less than 5 secs, thanks to Credit Karma! The website is so easy to navigate! The alerts I recieve to my phones can tell me when A payment is due or made. The APR is very low & the card is so neat like a steel plate :) Very happy with my Discover It Card!!!!
Reviewed by: ANGELLHULL
2 months after I had got a job, I was sent a pre-approved invite from Discover for this card. Went online, applied and bam! approved. Apparently I had a 650 credit score when I was approved and 3 months later.. a 713
Reviewed by: Anonymous
Discover card is great and the cash back that you can apply towards giftcards is by far the best. they are a good company and I've had zero issues.
Reviewed by: Anonymous
I've had the card for a few months now. I was able to be approved after my online application by having a customer service rep call me. One of the questions was "what had you interested in our card?" My response was simply "it was one of the few cards recommended by the Credit Karma service and I am looking to build better credit for expanded future opportunities." Literally seconds later she told me I was approved for a $1,500 limit. I called in for help one other time too see about adding my father as an additional "authorized user" to ensure there would be no extra fees (which there isn't) and I got instant service and a quick answer - No waiting on hold for 30minutes :)
There are alot of benefits with this card, such as the no "BS" fees. Besides the APR, there is nothing special going on behind the scenes. No annual fee which is a nice small bonus too.
Given my limited credit history (longest account 2years, 8 months and average 8months, no missed payments, no delinquent accounts), I was surprised I was approved in the 1st place for a usable amount. I opened a Capital One and Credit One account (also referred by Credit Karma) and both of those only offer $300 credit limit and both having annual fees. I just pay the annual fee now with no intention of ever using the cards only to let my "average length" of time for each account to be reinforced by the additional accounts. This way if I open an account later it won't drop my history so much.
Another side note I have - I don't know what is going on with Credit Karma, but I used the service on Experian to obtain my Three-Bureau score (which are Experian, Equifax and TransUnion) and every single one had a score of 710. Credit Karma's TransUnion Score shows me having a 634 and Vantage of 731. I pulled the $1 report from the TransUnion site and it showed me having a 731. Does anyone have any idea how my TransUnion score can be so vastly different from 3 different sources?
Reviewed by: ogdend112
My CK score is 617. My Credit.com score is 659. CK said I had a horribly poor chance of getting accepted for the IT card while Credit.com recommended it for me saying I had a good chance. Turns out both websites were correct. How is that possible, you ask?
I knew deep down in my heart that I wouldnt' qualify for the card because of my low scores but something told me to take a gamble and apply. I applied for the students version of the card and was instantly denied because I am not a college student at a 4-year school. I think that's pretty discriminatory and messed up for Discover to deny community college students like me the chance to be cardholdesr but that's a story for another day. Anyway, on the next page after my denial, I saw that Discover was counteroffering me to apply for their Discover It SECURED credit card, all I had to do was put down a deposit of anything from $200-3500! I was absolutely shocked as I didn't know that Discover offered a secured version of this popular card. They gave me 5 days to accept the offer or it would be rescinded so I happily accepted about put down a deposit of $200.
12 days later, I recieved my card and read over the terms. It's essentially the same exact thing as the unsecured IT card with the %5 cashback promos and other neat features. Apparently the secured card is a new product that has been offered since November 2013 and they're slowly rolling it out. There's currently no way to directly apply for the secured version, you have to first apply for the unsecured card first and if you're denied, you MAY or MAY NOT receive the counteroffer for their secured card. It's sort of a luck of the draw thing.
There's some conflicting info out there on whether the secured card will graduate or convert down the road but several customer service reps have talked to said that it can after they've reviewed your payment history on your account over a period of 6-12 months. After that time, you may be upgraded to an unsecured card and/or a higher credit limit.
I am so incredibly thankful for Discover giving me an opportunity to have this awesome card. I love it and know I'll be using it a lot (but responsibly of course). I'm still a bit in shock that I have it even with my poor scores. Do yourself a favor and google more about this card to have more info and remember that it's a new product that a lot of people still don't know about. I really think it has the potential to be the best secured card out on the market today!
(By the way, when I recieved my card in the mail, they had my TU score. They said it's 568. And yet they give me a golden chance to have one of the best, most popular cards out there. Even if you have a low score, don't count yourself out. Everyone's credit profile is different so there's really no guarantees. You never know what you may or may not get approved for so sometimes, it pays to gamble a bit and see if you have a chance to get a card you really want. Thanks Discover!)
Reviewed by: boomkattack
I started esterblishing credit for the first time with a Capital One Secured credit card 6months ago. I never had any credit history at all. I kept 100% on time payment history and paying all my balances. My first secured credit card had a $500 credit limit. Then after 2months, I took another secured credit card with $251 credit limit, so I can have at least two credit line.
For my first 4months I kept my utilization below 15%. During this time my credit score were 700+ across TU, EQ and EXP.
On the 5th month, my credit utilization incressed to 70% which me to lose about 100pts. from my scores. Before hit the six month mark, I reduced my utilization, paid all my balances which brought my score to the higher 680s.
I got an invitation from Discover for this card. (note: not a pre-approved). I checked the reviews on CreditKarma. CK gave me a very poor approval odds.
I called Discover on 02/22/2014 and asked the representative how do they determine who to send the invitation to. She said; it just general marketing and they get info of people to contact from different sources. I told her that I got the invitation, but I'm very reluctant to apply since I have a very short credit history and will not want to apply, get denied and have another hard inquiry on my file. She said there is no way she can determine the out come unless if I apply. During the conversation I felt the need to give it a shot. She asked all the questions and requested the info she wanted. I gave all. After a while she said; she is going to transfere me to another representative who will complete the application process and tell me a decision.
Transfere to the other representative. He said he needs to verify some info. He did and I provided him. And BOOM! GOT APPROVED FOR $1,500 CREDIT LIMIT.
I received the card yesterday 02/26/2014. The attached letter shows they used my experian score of 687 (FICO). It came with a 14months 0% intro APR and 22.99% after. I'm not worried about the 22.99% APR, since I don't intend to use this card much or carry any balance. I intend to keep my untilization under 10%. All I wanted wast to get through Discover door. I know six months from now big and even better credit will come my way.
My advice to everyone base on my little credit exprience; is to set a goal for your credit score/history. Worked towards that goal, pay off your balances and on time. Try to have an A on credit utilization and payment history. Monitor your credit score/report. Take not of what's helping your score and what's not. Take necesary action.
On another note: due to my six months good credit record, I got approve with a $1000 credit limit for a store credit card I wanted so much.
I don't intend to use the cards much, since I'm making enough not to depend on credit cards. However, I am very happy for the result I got after six months of establishing my credit history. In total, I got 6 new credit lines added to the 2 secure credit cards I have. Making a total of 8 credit lines. And guss what? They bumped my credit scores and I'm now in the high 700s.
Back to Discover, I'M HAPPY GETTING THIS CARD!!!
Please excuss my typos :-)
Reviewed by: SamOnTheRoadToCredit
This was my first credit card. I'm still a college student but when I initially started applying, I applied almost EVERYwhere. This made others look as if I was extremely credit hungry and I was denied everywhere; but this one. I asked for a reconsideration and when they asked me about my inquires, they were extremely understanding. I had this card for 4 months now and my predicted score if my card was 6 months old is 675, which is probably more than I can as for with my number of inquires. I had also been approved for a bank of america student travel visa which I was able to recieve my solid (though very thin) history with discover. Also I do bank with them and they do see that I have consitent income. And now, I'm being extremly ambitious and decided to go with chase Freedom with their 5% cashback offer. Though I was initially denied, I was persistent and asked for many reconsideration, opened a chase account, and I was approved as of yesterday. These 3 cards are the ones I plan to keep in my wallet for the rest of my life as they were extremely generous (not to mention I need the history haha). Since my credit inquiry is still recovering, I suppose I need to wait at least 6 more months to try out any of the American Express cards. But it's all thanks to discover that I got to where I am now. Though their extremely low initial $500 credit line was not something I fancied (BoA gave me $1000), it was understandable as it was my first credit card. I plan on asking them for a credit line increase on my next closing statement so that I may have a lower credit utilization to report to the bureaus.
Now for the perks: 5% cashback on online order duing the holidays, and the restaurant has been HUUUUUUGE for me. I was able to make more than the minimum payment just through the rewards (avaiable in a $50 increment)! It was awesome! And no APR for 14 months? I can safely use this card and be very lax with the amount I owe to show the bureaus I carry a 1-20% balance per month and not worry about interest! (Though I shouldn't get used to it).
Their customer represenatives are great, too! I only need about 2 minutes to talk to an actual person; two! These days, that's next to impossible. My bank of America typically takes 5-20 minutes. They're very clear and supporting and probably the best customer service I've recieved.
Overall, I love this card. Though it's not as widely accepted as a Visa or a mastercard, IT (pun intended) gets accepted to just enough places. Plus I got my two visas anyways. I'm so glad they accepted me and that I didn't end up with a measly student card from CITI or captial one. Once they swtich me to a higher credit line (which isn't guaranteed), it won't be a student card anymore (or so I heard). So it's like I've had an excellent rating credit card to begin with. I highly reccomend this card, whether you have excellent credit history or none.
Reviewed by: Hagareno1080
I applied for the Discover It Card when I was in a bind last year. While they couldn't give me the offer I applied for, they were curtious enough to give me a different offer with a generous limit. I was surprised that they were willing to work with me. I recently paid off and almost a month later they increased my llimit without me asking. i also love the revolving 5% cash back selections. I used this card in conjuction with my Chase Freedom card to get my most out of my cashback options.
Reviewed by: ATLGAL1212
I applied for this card on 2/11/14 based on Credit Karma's recommendation that I had a "good" chance of getting approved. I was skeptical because they were included in my BK that was discharged in 2010, but I decided to go forth since I had nothing to lose. i have a 5/3 CC, a CapOne CC, another CapitalOne through UnionPlus, a Macy's card and a Carson's card, Macy's and 5/3 I had prior to the BK and I have made my payments on time since. Well, since i didn't receive an automatice approval I thought i was going get denied, but to my surprise I went back on 2/15/14 to check the status and they say "congratulations I was approved"! I was sooooo in shock but pleasantly surprised. I received my card that Saturday in a nice box and packaging. it is by far the best card thus far even though I have not used it yet. 1.5% back on all purchases plus I get 14 months of zero interest. and 22.99% after that. My credit line is $1,500, my Credit Karma score was 705 and my Equifax FICO was 677 according to Discover--this is part of their benefit package which includes your FICO score monthly). Even though I have not used this this card I plan on making this my main credit card because of the benefits. Been with 5/3 since 08/09 and this card is waaay better, I'm going to pay it off and go strictly Discover and never default with them again. I HIGHLY recommend you at least give it a shot you have nothing to lose. The customer service representatives were extremly jovial and by the way, part of Discover's promise is you can always talk to someone in the US, no overseas outsourcing. Feel free to ask me any questions about this card, I would be more than happy to answer if I can.
Reviewed by: Anonymous
18 month 0% balance transfer? Great right? Sure, but your balance transfer will take a minimum of 16 days to begin with. Then Discover will make sure that the balance transfer doesn't post to you account in the first billing cycle. cutting it down to 17 months instead of 18. Then, the billing cylcles make sure that the last statement will put you just past the 18 window, taking off another month. So, expect to pay it all off in 16 months. Still a decent deal. Don't forget the 3% additional balance transfer fee.
Reviewed by: Anonymous
* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.
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