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Discover it®

Discover it is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.

This card is currently one of our picks for the Best Rewards Credit Cards.

New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.

The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.

Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.
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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Quick View

Quick View

  • Rewards
    • 5% Cash Back on Rotating Categories: January through March is Gas and Wholesale Clubs; April through June is Grocery Stores; July through September is Restaurants; and October through December is Amazon.com and Wholesale Clubs
    • 1% Cash Back on all other purchases
    • Earn 5-20% Cash Back when shopping through the Discover Deals market
    • Discover will double your rewards after the first year of use
    • Rewards can be used directly at Amazon.com
  • Signup Bonus New cardmembers only - Double cash back earned at the end of the first year
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR 0% for 14 Months
  • Regular Balance Transfer APR 11.99%–23.99% Variable
  • Cash Advance APR 25.99% Variable
  • Penalty APR None
  • Late Fee $0 the first time; up to $37 after that
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Free FICO® Credit Score

    View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

  • Refer a Friend for Cash Back

    Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.

Shopping

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.

Account Management

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Temporarily Freeze Your Account

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

Security

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Fraud Protection

    Your card account will be monitored 24/7 for suspicious activity.

  • Free Social Security Number Alerts

    Get alerts if your SSN is found on any thousands of risky websites.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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