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Apply online for Discover it®
About Our Ratings
Credit Needed
Excellent/Good

Discover it® Review

Pros & Cons

  • No foreign transaction fee or over-the-limit fee; waived first late-payment fee; no annual fee!
  • 5% cash back in quarterly rotating categories (which when combined with Double Cash Back first year means an effective 10% cash back)
  • Free FICO score
  • The card features bonus 5 percent cash back categories on a rotating basis, but if you know you spend a lot in a particular category, you might be better off with a card that features a constant higher cash back percentage in that category.

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
Purchase APR
11.24% - 23.24% Variable*

Full Review

Curtis Arnold Editor-in-chief

With a fresh look and a focus on customer service, the Discover it® has come back with it's most competitive offer in the cash back credit card category (which the original Discover card invented in the 1980's). With no annual fee, no foreign transaction fees, and amnesty for many of the situations that cause most banks to hike their rates and fees, Discover it® has the potential to set a new standard for American rewards credit cards.

Discover it® card offers easy redemption of cash back rewards

Cardholders earn a predictable 1 percent cash back on all purchases. Then there's the 5% cash back in categories that change each quarter, up to the quarterly maximum when you sign up. You also won't need to wait long to redeem your cash as Amazon.com now lets cardholders redeem CashBack Bonus credit for purchases, and Discover's website lets you request immediate statement credits.

And now, only for new Discover it® cardmembers*, new Discover cardholders can double all the cash back they've earned at the end of their first year with the card. Thus, the 5% cash back from bonus categories becomes 10% cash back!

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
Discover it® 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 apply for both cards and maximize their 5 percent rewards on both cards with just a little extra strategic planning.

This card compared to other cash back cards

Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
1%
Purchase APR
11.24% - 23.24% Variable*
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
This card is best for consumers who want to earn cash back with no annual fee and are looking for a low introductory rate on purchases and balance transfers.
CardRatings.com Editorial Staff

Discover it® details

Balance Transfer Intro APR
0%
Balance Transfer Intro Period
for 12 months
Purchase Intro
APR:
0%
Period:
for 12 months
Purchase APR
11.24% - 23.24% Variable* 
Annual Fee
$0

What Discover says about this card

  • Discover matches all cash back you've earned at the end of your first year - automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze ItSM on/off switch prevents new purchases, cash advances & balance transfers in seconds.*
  • Get 100% U.S.-based customer service & FICO® Credit Scores for free on statements & online.*
  • No annual fee.* No late fee on first late payment. No APR change for paying late.*
  • You're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    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:
    Reward Program:
    Card Benefit:
    Customer Service:
    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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Special offers
Currently available on the Discover it®
Discover matches all cash back you've earned at the end of your first year - automatically.
Only for new cardmembers.*

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good