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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 at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • 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, and 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 376 total reviews.)

Most Popular Review

All Recent Reviews

5/5

I applied online 03/2013... Tu 644 Eq 655 Ex 671  was approved instantly for $3,000. They called me to confirm I applied and I had my card with 5 days delivered by UPS.

I called customer service feb 2014 and asked for a credit limit increase and was approved to $4,500.

 Tu 662  Eq 677   Ex 693. 

Reviewed by: rickshawoo

5/5

I applied online 03/2013... Tu 644 Eq 655 Ex 671  was approved instantly for $3,000. They called me to confirm I applied and I had my card with 5 days delivered by UPS.

I called customer service feb 2014 and asked for a credit limit increase and was approved to $4,500.

 Tu 662  Eq 677   Ex 693. 

Reviewed by: rickshawoo

5/5

I applied online 03/2013... Tu 644 Eq 655 Ex 671  was approved instantly for $3,000. They called me to confirm I applied and I had my card with 5 days delivered by UPS.

I called customer service feb 2014 and asked for a credit limit increase and was approved to $4,500.

 Tu 662  Eq 677   Ex 693. 

Reviewed by: rickshawoo

5/5

CK score of 702. Fico of 755. With a prescreened offer I was approved instantly for 4500. Customer service was very friendly. When you call to activate you go directly to a human, which personally I would rather deal with a computer for such a matter. But if there is ever a problem in the future, I'm sure I'll be greatful for the human interaction directly without having to press 0 and wait for someone.

Reviewed by: stormip1991

5/5

I'm a student with a minimal amount of income. I have a CK of 727 actual TU Fico 754. I was approved for $1500 CL. An APR of 14.99.

Reviewed by: x2theone2x

4/5

Purpose:  Transfer from higher APR rate card to the 14 month 0%

Applied on Wednesday, got a call back on Thursday and approved for $9K.  Was only looking to transfer 1/2 the amount.  Very easy, no hassles.  First experience with Discover

Reviewed by: RobertoM

5/5

Applied on a weekend with a TU of 693, FICO 703, EXP 706, two-year average account age, no missed/late payments. They called me during the week to ask a couple questions but approved me with a $5,500 limit and they left my existing discover card account open that had a limit of $2,500. Mentioning the new job seemed to help. So far so good.

Reviewed by: foton

4/5

(I was planning to quote my previous review I'd made when I first got the card, but it seems to have vanished)

Some time has passed since my first review of Discover it, and I feel I need to take a look at how it's held up.

The "shop discover" feature can give you 5% on many different stores regardless of the rotating catagories. While any given user will only use a handful of them, there's quite a few, not the least of which is walmart.com. But the obious downfalls are not only does this only work online and not in the psyical stores, you also must remember to go through shop discover everytime you want to buy something from it, which can be a pain if you forget on a major purchase. But still, it's impossible to deny that 5% from Walmart.com is a major bonus, and there are plenty of other stores on shop discover.

Another downside is discover seems to be very stingy with CLIs - in the year I've had it, they increased my limit from $2,500 to... $3,000. Well darn - a $500 increase really wasn't worth the inquiry. Compare this to Paypal, who increased my limit from $1,000 to $3,000 with no request and Discover doesn't stand up in this catagory. Even Wells Fargo was nicer than that...

But despite these flaws, I must still reccomend the card, not only for shop discover, but for the fairly low intrest rates (they gave me a rate of 18.99% - 4 precent below my second lowest rate card).

Reviewed by: Toad004

5/5

I applied for this card online on Monday, and I have the card in my hand on Friday.

Online process was simple with approval within seconds.  The whole process took less than two minutes.  CK score of 768 and FICO score, as given to me by Discover, of 785.  $8500 credit limit with a 12.99% interest rate after the 0.00% introductory period.

I like the idea of receiving a free FICO score with monthly invoices, and cash back bonuses can't be a bad thing.

Reviewed by: rocco14

5/5

I recently got approved for AMEX , which uses Experian, so I figured I would try Discover,  while I was not surprised I was approved, I did not think it would be for $5500, due to the fact I recently purchased a car and 2 new credit lines. Discover used my Equifax score of 730 to approved me for the card, I was very impressed with customer service and the cash bank benefits. I highly recommend Discover!

Reviewed by: dawnybaby28

* 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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