Offered by: Discover
Apply by phone: 1-800-315-3519

Discover it®

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 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.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
711 Average Credit Score Approved for this Card
676 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
14 Months   14 Months  



10.99% – 22.99%*




10.99% – 22.99%*


Additional Details
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

24.99% Variable*

Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee


Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
Age of Cardholder
Sample Size: 728
Data Created: October 01, 2013

319 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

do not do it. I have a 717, NOT APPROVED Helpful to 2 out of 3 people



Apr 18, 2014
Great Service Helpful to 2 out of 2 people

Able to balance transfer 2 high interest cc's I had..great customer service!

Geronimo73's response was:    

  Apr 15, 2014

Geronimo73(1, 2)

Review by Geronimo73

1 Contributions 2 People Helped

Helpful to 3 out of 3 people

They DO NOT stand by the consumer and will NEVER honor a dispute! They will then damage your CREDIT HISTORY, as I and a friend have both "dis-coverd"!

Apr 15, 2014
Helpful to 3 out of 3 people

Agree, best card out there, best cash back program, best refer a friend program, best customer service and card benefits. Have had card since it came out and never had an issue, online access also a plus. Even, better once you get the card you are eligible for discover checking account where you earn 10 cents for every purchase/billpay/check written.

Apr 14, 2014
Helpful to 8 out of 8 people

Very awesome card very awesome customer service! I logged on to the Discover card website and was shocked and horrified to see a charge for over $200 from a grocery store I have never been to and two other charges, one for $8 and one for $25 from a gas station I have never been to, so I called the number provided on the site and spoke to a REAL LIVE PERSON! (I was so happy not to have to deal with a stupid computer) The lady was very nice when i explained the problem she was extremely sympathetic and quickly transferred me to the fraud office and another very nice lady explained the no liability fraud thing, canceled the card and promised my new card the next day, and it was in my mail box when I got home from work! It took a few days for the charges to be completely removed from the website but, I thoroughly enjoyed the promptness of customer service, and the ease of which the issue was resolved.!

Apr 13, 2014

See all 319 Reviews of Discover it®

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.