Excellent introductory rates:

Rest assured that for a period of over one year you can pay back your balance at your own pace. If you're currently struggling to pay additional interest on another credit card, take a good look at the Discover it® card because it might be the perfect remedy with a 0% APR on purchases and balance transfers for 14 months. Then the variable purchase APR applies, which is currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.

Multiple ways to earn bonus points:

With popular rotating 5% cash back categories, such as dining, entertainment, and shopping, Discover offers a wide variety of options to spend and earn cash back on. Just be sure to sign up for the 5% categories in advance so you don't miss out on the bigger return. With many ways to earn points, you have the ability to accumulate rewards faster while maintaining flexibility. The current bonus is 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* You also earn 1% cash back on all other purchases.*

Redeeming rewards in many ways:

All of the cash back you earn will be redeemable online via Discover's online shopping mall, which offers anywhere from 5% - 20% off department store prices. In addition to your points never expiring, they can be redeemed via statement credit, merchandise, and charity. If you redeem your cash back rewards as gift cards, Discover will even double your return.

Superior customer service:

One of the most overlooked features of credit card companies is the type of customer service offered by the company and Discover is no slouch in this department as they offer 100% U.S.-based customer service available anytime. They also earned the Highest in Customer Satisfaction Award among credit card companies from J.D. Power and Associates in 2014. If you travel and need assistance, Discover automatically adds travel and car rental insurance to cover you from having to pay premiums at the airport. If you made a purchase and now it's discounted, Discover will refund you the difference.

Flexible due dates:

One underrated feature of the Discover it® card is that it has flexible due dates, which allow you to choose your own due date and pay online or by phone. The benefit of having a due date that you set can be huge. You can stagger your Discover it® payment date with the due dates of your other bills so that you're never running short on cash. Several other credit cards have a set due date at the beginning of each month, which generally coincides with many other bills that you have to pay, like rent or phone bills.

Strong fraud protection and access to credit score:

The Discover it® card comes with a $0 Fraud Liability Guarantee, which means that you're never responsible for unauthorized charges. Discover also monitors every purchase and alerts you of any suspicious activity via email, phone, or text, so you know right away if someone is trying to steal your identity. Not having to worry about fraudulent charges is a great benefit, and is not offered by every credit card. Plus, you'll have free access to your FICO® Credit Score on your monthly statement to help you stay on top of your credit.


No bonus incentives:

Unlike its main competitor, the Chase Freedom® card, the Discover it® card does not currently offer any bonus incentives when you sign up. If you're looking for a card that offers a hefty sign-up bonus, you may want to look elsewhere. To most, however, this shouldn't be so much of a problem as Discover does offer many inclusive benefits and services to offset such incentives with no hassle.

Limits to earning cash back:

While you may earn up to 5% back on various rotating categories per quarter, each quarter there is a maximum of $1,500 you can earn 5% cash back on. If you are a big ticket spender, you may want to visit alternative options so you can capitalize on more cash back rewards beyond 1% per dollar spent once you hit that $1,500 mark.

Limited exposure:

One notable point is that, as of right now, Discover is not accepted as universally as its competitors, Visa and MasterCard. Discover charges some of the highest premiums to merchants across the globe, which is why many won't accept Discover. However, Discover attempts to alleviate these issues with all the added benefits of security and privacy, along with excellent customer service available any hour of the day.


Rates and Fees
Annual Fee $0
Cash Advance Fee $10 or 5% per cash advance
Cash Advance Rate (APR) 24.99%
Foreign Currency Transaction Fee None
Introductory Rate (APR) 0% for 14 months
Standard Rate (APR) 10.99% - 22.99%* Variable
Penalty Fees
Default Penalty Rate (APR) None
Late Payment Fee $0 for first time, up to $35 thereafter
Minimum Interest Charge $0.50
Over-Limit Fee None
Returned Payment Fee Up to $35
Balance Transfers
Introductory Balance Transfer Rate (APR) 0% for 14 months
Standard Balance Transfer Fee 3% per transfer
Standard Balance Transfer Rate (APR) 10.99% - 22.99%* Variable
Additional Rewards for Dining 5% cash back (rotates quarterly)
Additional Rewards for Gas 5% cash back (rotates quarterly)
Additional Rewards for Groceries None
Additional Rewards for Shopping 5% cash back (rotates quarterly)
Additional Rewards for Travel None
Bonus Points Offered None
Rewards Earnings for All Purchases 1% cash back
Sign-Up Bonus None
Type of Reward Cash Back


  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • No Blackout Dates There are no blackout travel dates for your points, miles, or cash back rewards.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • Early Boarding You receive priority boarding benefits as an owner of the credit card.

  • First Bag Free Your first checked bag is free.

  • In-Flight Spending Bonus You receive a discount or additional bonus points on all in-flight expenditures.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Fraud Liability The credit card offers fraud liability protection.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Book in Someone Else's Name You can use your airline rewards to book a trip in someone else's name.

  • Redeem on Other Airlines Rewards can be redeemed for airline travel on other airlines.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Car Rental Rewards can be redeemed for car rental.

  • Redeem for Hotel Rewards can be redeemed for hotel stays.

  • Apply By Phone You can complete the credit card application process via phone.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval You can get instant approval for the credit card.

  • Apply In Person You can apply for the credit card live in person.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Roadside Assistance The credit card offers roadside assistance.

  • Travel Insurance The credit card offers travel insurance.

  • Flight Insurance The credit card offers flight insurance.

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