Discover it®


  • 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."
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Credit Rating
0% 0% 10.99% - 22.99% Variable* $0 Excellent
Discover it®

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Specific Information

Annual Fee $0
Balance Transfer Fee See Terms*
Balance Transfer Intro Period 14 months
Balance Transfer Intro APR 0%
Cash Advance Fee See Terms*
Foreign Currency Exchange Fee See Terms*
Issuer Discover
Perks Apply for the Discover it® by filling out a secure online application.
APR 10.99% - 22.99% Variable*
Purchase Intro APR Period 14 months
Purchase Intro APR Rate 0%


Discover it® is a cash back rewards card that will help you see credit cards differently. From not having to pay an annual fee to an appealing rewards program, this may just be the card for you!

0% Intro APR – See what it's like to pay no interest on any purchases or balance transfers during the first 14 months of membership. A variable purchase APR will apply thereafter.

Say No To Various Fees – You won't be charged an annual fee or an overlimit fee. But that's not all. The Discover it® card comes with no foreign transaction fee and no pay-by-phone fee, either. Should you miss a payment, you will not be charged a late fee on your first late payment nor will your APR increase as a result.

Cash Back – Enjoy a generous 5% cash back for online shopping until December 2013 on purchases made up to $1,500. Sign up is easy, and you will also receive a 1% cash back on every other purchase you make. Plus, a Cashback ConciergeSM will help you with a personalized online tour to maximize your rewards.

Other Features – Set your own due date and pay up until midnight (Eastern Time) by phone or online. And don't worry about speaking to a machine when you call – a real person with 100% U.S.-based service will be ready to assist you with any queries.

$0 Fraud Liability Guarantee – You won't be held responsible for any unauthorized purchases that are made. With Discover it®, enjoy not being penalized for your first late payment, choose your own due date and more! Don't delay and sign up now!!