Rewards
Welcome Offer
There's no welcome bonus, but there is something called Cash Back Match. At the end of your first year of membership, Discover will match whatever you've earned in cash back.
So if you max out the 5% cash back category every quarter, you can earn $300 in a year, and Discover will match that with another $300 (note this is only for the first year).
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- No welcome bonus
- Requires good credit
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | None |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 16.74% to 27.74% (V) APR |
0% APR
Get 0% APR on purchases and balance transfers for the first 15 months. After which your rate will be 16.74% to 27.74% variable, depending on creditworthiness.
What Credit Score Is Required to Get the Discover It?
Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 666, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/24/2021 | Equifax | ||
| Approved | 08/06/2021 | Experian | ||
| Approved | 06/21/2022 | Experian | ||
| Approved | 06/21/2022 | TransUnion | ||
| Approved | 06/21/2022 | Equifax | ||
| Approved | 11/24/2021 | Experian | ||
| Approved | 05/01/2021 | Experian | ||
| Approved | 09/24/2021 | TransUnion | ||
| Approved | 09/24/2021 | Experian |
What Are the Best Alternatives?
Chase Freedom Flex(SM)
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Citi Custom Cash℠ Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0