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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 487 total reviews.)

Most Popular Review

All Recent Reviews


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


8 months of credit hisotry and got approved for $1250 credit limit. 732 CK score.. i am happy with it :D 

Reviewed by: Anonymous


Discover is my 2nd credit card I have. credit capital one gave me a chance with a 500 credit limit in. November. I paid in full every month for 6 months, they increased it with asking to 1,800.  I applied to Discover  in January and received a credit limit of $1,200. Some months I paid in full some months I didn't. I kept it under 30% utilizatation...I tried to request a credit increase  in June via the online service....I was declined. Mind you these were soft pulls.   Today July I CALLED customer service.  $5,000 increase no hard pull BAM!  WOW I'm on cloud 9!  My scores are 701 transunion discover, 694 credit Karma, quizzle .   If anyone tried to get a credit limit increase via online....Call the 800 number! These guys rock!

Reviewed by: clermont34711


I applied for discover it abt 2 weeks ago got approved after calling backdoor number and explaining that i wanted to take advantage of the benifits the card has to offer, $750 limit 14 months no apr then 18.99% after Equifax 684. wish the limit were higher but i was really happy to be approved.

Aprroved for a car refinacne through my credit union (Tower Federal Credit Union) 2 months ago EXP 721. Got best rate 2.29% apr and also 1% rebate credit card with a $5000 limit 10.9apr.

Applied for Cap One Journey and to my surprise was approved for $1K limit. Thought id stretch my luck given the cards are not yet reporting on my credit report. Applied for Amex Blue cash 2 days ago approved instantly called for limit 2K 15 months 0% APR then 18.99%.

Applied today and was told to wait 7-30 days for a response called Chase: 888-245-0625 (Credit Analyst - Recons). Nice lady answered phone asked reason i called, told her wanted to know what credit limit i was approved for from an online application. asked for some information then asked for time to review my credit... waited and waited until she came back approved for $2200!!!

Before this only had my cap one mastr card which i opened last july and car loan from last October....

My advice Read, read, read and read some more. I have been planing my strategy for over 8 months absorbing as much info as i could along the way. Credit Karma is an excellent site to gather valuable information that can be used to boost one's credit. my aim now is to get these APRS down. when youve done all the reading you can trust your gots and give the apps a shot. I told my self i would stop whenever i was declined. thankfully it turned out i never got declined. I'm 24 not a huge salary almost one year credit history.

Credit karma said i had a fair chance at the discover it, very good chance at the Jouney and Chase freedom, good chance Amex.

Reviewed by: bzzl


I've had this card for over a year and have never had any real issues. The customer service has always been great and I've never had any issues with late payments/fees. The only thing that I dislike about this card are the "rewards". I feel like their are other cards out there that reward you better than 1% and 5% on specialty items for set periods of time. They do give 5% off gas during specified times of the year but because I am only at the gas station twice a month to fill up my vehicle, that doesn't make that huge of an impact. This is also not my primarily used card out of the bunch so that is possibly why I do not rack up the rewards. At the time I applied for this card the 0% APR was 18 months and that was REALLY nice. Overall, I think this is a nice little card. If it is going to be your primary card and you will spend enough to reap the benefits they offer, I think this is a good card to have.

Reviewed by: MFW22


I took a chance when creditkarma said my approval odds were fair with a cs of 711 even when I am seeing people with a lower cs get approved. I am glad that I did I was approved on the spot and had to wait until I got my card in the mail to find out what my cl was. I was shocked it was $6000 when I have been with capitol one for 5 years with a cl of 3500 

Reviewed by: Anonymous


This is my first Discover Card I have had it for about 7 months. Initially I only wanted to get it so I could get my FICO sore every month for free. Turns out the 5% on rotating categories is awesome, the website is easy to use and navigate and the customer support is very freindly as well. I applied for this card with a FICO score of 786 and was accepted online immediately. After I was accepted I recieved a call from customer support to see if I had an additonal questions or concerns. Overall I would give this card 5 Stars and would recommend it to anyone look to get their FICO score for free every month and looking to get a little extra Cash Back on rotating categories.

Reviewed by: Nightflux

* 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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