Discover it®

The Discover it® is the newest addition to the Discover card family and it’s replaced all the other Discover cards. Discover is now down to just one card and we’ve got all the details.

Discover has always been best known for offering 5% cash back in rotating categories and that hasn’t changed. The new card offers other nice perks too, like 0% on purchases and balance transfers and no annual fee. Here’s an overview of what the card is offering:

Discover it®

Apply for the 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 for 5%*. 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."

0% Introductory Offer

Let’s start with the 0% offer that is perfect if you are making a big purchase. The card offers an introductory rate of 0% for 14 Months on purchases and 14 Months on balance transfers. After the introductory rate, the APR you receive is 10.99% – 22.99%* Variable, based on your creditworthiness.

Rewards Program

The Discover it® is still offering the same great 5% cash back deal as before. The categories in which you earn the 5% change quarterly so you have to keep up-to-date on what purchases allow you to earn. You also have to enroll in each spending category each time it changes to be eligible. Discover has enhanced the card by now giving you 1% cash back on all other purchases.

Redeeming Your Points

When it comes to cashing in your points you have many options on how to redeem your cash back rewards. You can still use the rewards as a statement credit or get direct deposit of the cash back directly to your bank account. You also have other options too.

For example, you can use your rewards to get gift cards or merchandise. With gift cards, you can redeem your rewards for a gift card with a value exceeding the amount of your rewards. If you have $20 in cash back that might be enough to get you a $25 gift card. You also always have the option to buy merchandise online and get free shipping.

Cashback Concierge

This feature deserves a special mention because it’s a step up in customer service. Discover has added a “Cashback Concierge” service for cardmembers. This allows you to get on the phone with a Discover representative, and they will look at your account to help you get the most out of your cash back rewards.

Additional Discover it® Details

As expected the card offers a variety of other great benefits. What stands out the most are the fees they aren’t charging.

  • No annual fee
  • No late fee for your first late payment
  • No overlimit fee
  • No foreign transaction fee
  • 100% U.S. based customer service available any time
  • Paying late won’t increase your APR
  • Pay for millions of items with your rewards at Amazon.com
  • Pay your bill ’til midnight (ET) the day it’s due by phone or online
  • Choose your payment due date online or by phone
  • Lower rate, lower payment or other help after job loss
  • Automatic expedited delivery of your new card

How to Apply for the Discover it®

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Discover it® website. From this page, you can click on the apply now button to go to the Discover it® secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Discover it® official website.

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 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 for 5%*. 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."
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 14 Months 0%* 14 Months 10.99% – 22.99%* Variable $0 Excellent
671 Average credit score approved for this card † 599 Lowest credit score approved for this card †