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Discover it® card Review

Curtis Arnold Curtis Arnold

Full Review

Curtis Arnold Editor-in-chief
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With a fresh look and a focus on customer service, the Discover it card aims to win back the cash back credit card category that the original Discover card invented in the 1980s. With no annual fee, no foreign transaction fee, and amnesty for many of the situations that cause most banks to hike their rates and fees, Discover it card has the potential to set a new standard for American rewards credit cards.

Discover it card offers easy redemption of cash back rewards
Previous versions of the Discover card featured a perplexing reward structure, often stacking tiered rebates based on annual or quarterly spending. Most card promotions highlighted 5 percent cash back on featured categories, but with spending caps that limited their value. Early cardholders had to wait to request an annual CashBack Bonus rebate in the form of a check or a statement credit, leaving little room for spontaneous rewards.

Today's Discover it card eliminates most of those hassles and hangups, in favor of a simple, streamlined path to rewards. As a cardholder, you'll earn a predictable 1 percent cash back on all of your purchases. And each quarter you sign up you can earn cash back in quarterly promotion categories which still carry spending caps, however you won't need to wait long to redeem your cash. Amazon.com now lets cardholder redeem CashBack Bonus credit for purchases, and Discover's website lets you request immediate statement credits.

Best cash back card for consumers concerned about finances
As part of Discover it's launch campaign, you've probably seen a series of ads featuring cardholders talking to their doppelgängers at one of Discover's call centers. The company wants to tell the story that you'll talk to someone who'll treat you the way you'd want to be treated.

Exclusively based in the United States, Discover's call center agents have been empowered to waive your first late payment service charge, to expedite emergency card replacements, and to process same-day payments up until midnight Eastern time. Agents even have the authority to work out an adjusted repayment schedule if you lose your job and can't make your current minimum payment. It's an honest, refreshing approach to customer service that reflects today's economic realities for many families.

Discover's American support centers don't just handle questions about missed payments and lost cards. They also form the backbone of an identity theft detection and resolution system that has earned Discover top marks from some of the industry's toughest critics. According to experts at Javelin Strategy & Research, Discover excels at detecting potential fraud and proactively resolving problems with cardholders and merchants. Likewise, the International Quality & Productivity Center has cited Discover's agents for acting in their customers' best interests, even when industry practices might dictate otherwise.

How Discover it card compares to other cash back credit cards
The Discover it card offers a nearly identical reward structure to that of its closest competitor, the Chase Freedom card. However, with no annual fee and a complementary set of rotating bonus categories when you sign up each quarter, bargain hunters can maximize their 5 percent rewards on both cards with just a little extra strategic planning.

On the other hand, if you don't often make the kinds of purchases that qualify for bonus rewards, you could get consistently higher cash back from one of Discover it card's other rivals.

Discover it® card details

Cashback on Gas
Cashback on groceries
Cashback on other
Up to 5% cash back in categories that change after you sign up* and 1% cash back on all other purchases.
Purchase APR
10.99% - 22.99% Variable*
Annual Fee
see more details ∨

Credit Card Rate Information:

  Balance Transfer
  Cash Advance
 7.74 - 19.74
 7.74 - 19.74
  10.99% - 22.99%
 10.99% - 22.99% Variable*
 24.99% Variable*
APR Floor:
Intro Rate:
 0% Intro APR on purchases
Intro Period:
 14 months
 14 months

Finance Calculation Method:
 Daily Balance (including new purchases)
Default/Penalty APR:
Default/Penalty Margin:
Default/Penalty APR Floor:
Penalty/Default Trigger:

Credit Card Fee Information:

Annual Fee:
Foreign Transaction Fee:
Late Fee:
 0% (Up to $35)
(None the first time you pay late. After that, up to $35.)
Over-the-limit Fee:
Balance Transfer Fee:


Rebate Description:
Special Notes:
 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. *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Credit Card More Information:

Card Issued By:
General Correspondence Address:
Card Type:
Card Class:
Card Category:
 Cash Back, Low Interest, Low Intro Rate, Low Ongoing Rate
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

What Discover says about this card

  • 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 8,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% cash back in categories that change each quarter. Now through June 30 earn 5% at Restaurants and Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 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 purchases on your Discover card.
  • 100% U.S.- based customer service-- day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
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    Customer Service:
    Dana ( Mar 4, 2014 at 11:13 am)

    This card is amazing. All the other CC's harass my mailbox daily, but then offer me a credit limit $3000 less than Discover did. How is that even possible? I love the free FICO score checker I can use when I log in too. The other day they emailed me a $5 starbucks card for being a member. It really seems like they're kissing my ass but I don't care I love this card!

  2. Overall Ratings:
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    joe ( Jan 6, 2014 at 9:30 am)

    card has many "NO"s but beware. If you're not planning on carrying a balance, you should find most of those things useless anyways. International fee is ZERO. rewards are at least 1% cashback but gifft card redemptions bumps the reward $$ to a higher percentage (redeem at 10% disc or 6% disc). Rotating categories are also helpful. effectively raising rewards rate on discount stores (walmart, target) to above 1% CON: no solid CB on supermarkets (gocery stores) gas only rotating. discover is not as accepted as Visa and MC, but sams club take them.

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