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

Discover it®

Discover it® offers consumer-friendly terms packaged with a healthy cash back program. Cardholders receive purchase monitoring, live customer service and no late fee on their first late payment.

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases
  • 100% U.S. - based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 604
Typical High: 740
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 "Apply Now" 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

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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 67,132
Data Created: February 02, 2015

681 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

No Annual Fee, and Changing 5% cash back Helpful to 3 out of 3 people

In the process of building my credit, I wanted to obtain a card with no annual fee that I could keep as a "baseline" card for years. Though I had a thin file up until 4 months ago, I was instantly approved with 700 CL. So easy! Especially nice after hard pulls have been piling up from getting rejected a few times.

Also, the changing 5% cash back categories is a cool feature. This quarter, its gasoline, so I pretty much have been exclusively using this card for gasoline purchases. Next time its grocery stores, so I'll buy my groceries with this card. Just be aware that you have to log in to their website and MANUALLY activate it.

I would definitely recommend this card to anyone, especially those in the process of building their credit.

15iSport's response was:    

Feb 25, 2015

15iSport(2, 17)

Free FICO with Discover It

I have the Discover It.  There is no annual fee and they provide a free FICO score. Here's a link to apply for the Discover it :

Apply here or with link:

Feb 24, 2015
Sexy Card - But Apply Through Amazon! Helpful to 11 out of 11 people

I'm delighted to have added this card to my wallet!

Brief background: Credit history is 7 months old, and I already have a BofA secured card ($400), Crap1 Platinum ($500), and Amex Everyday Preferred ($5,500). TU 697, Equifax 695 (from whom Discover pulled), Experian 712. I have an income of $60k.

I was approved for a credit line of $4,000.

However, I applied directly via Discover's website. If you apply via the Amazon credit card marketplace, there is an additional bonus of a $100 Amazon gift card upon using the card once. I missed out on this, and called customer care to ask nicely if they would allow me to avail of that offer, but I was not able to. So, I thought I would give my fellow Credit Karma users the heads up, in case they were considering applying :)

Customer service has been stellar, however, and is right up there with Amex. Their agents are quite pleasant on the phone, and I look forward to doing business with them.

Enjoying this journey of filling my wallet with nice cards.

veniceboardwalk's response was:    

Feb 24, 2015
So far best card ever!! Helpful to 0 out of 1 people

Great customer service..very easy to talk to and there always willing to tell you what's new and what they can do go you..

Mholder1217's response was:    

Feb 24, 2015

Mholder1217(1, 0)

If you don't have a BK Helpful to 6 out of 6 people

Credit Karma kept telling me my chances were good for getting this card.  However, after application (twice over several moths) the reason for denial isn't my score but the fact that I have a discharged bankruptcy.  Have have many other cards with high limits but this card seems to automatically say NO to a person with a BK.  Might be useful info and prevent a hard pull if you are in the same situation.

TheNog's response was:    

Feb 23, 2015

TheNog(3, 21)

See all 681 Reviews of Discover it®

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from August 2014 through January 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.