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:
Multiple wars 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 at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.* You'll also receive 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.
With the Discover it® card there are no an annual fees, no overlimit fees, and no foreign transaction fees. In addition, you can pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.
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. 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. 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.