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 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Looking out for you. Because we monitor every Discover card purchase, every day. If something looks suspicious, we alert you by e-mail, phone or text. And you’re never responsible for any unauthorized purchases on your Discover card account. Period.*
  • 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

326 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

It's great. We use it for everything. Signup for the extra bonus specials throughout the year as well. It's also great if you are buying large ticket items such as a new weber bbq grill, or washer/dryer etc... because you can buy online through discover and save an extra 5%-plus. We did it for several big ticket items which had online sale specials so we got the sale price plus the extra 5% on top of that. I love my Weber! :)

Apr 24, 2014

My credit is by no means perfect, according to CK it's 684, so needless to say I was skeptical when I kept receiving these pre-approval letters in the mail from Discover. I finally figured what the heck, and I called and did the application over the phone... I don't know why, but I feel like they are more likely to approve you if you apply over the phone (I have no basis for that theory LOL). Anyway, it only took like 5 mins and the girl was like let me place you on hold while I submit your application... like 15 seconds later she came back on the line and I was approved immediately for $7,400. No annual fee, no over the limit fee, no late fee on your first missed payment (which I don't plan on ever taking advantage of), 0% APR for 18 months... I'm happy so far

freefordan's response was:    

  Apr 24, 2014

freefordan(4, 10)

Review by freefordan

4 Contributions 10 People Helped

Applied, Approved and Received in 7 Days Helpful to 1 out of 1 people

     I chose to apply for the Discover It card for the 18 month 0% interest balance tranfer offer.  I have high credit card debt and am 7 months into a 24 month plan to pay my total balance to 0 and this will put me on the fast track to achieve my goal sooner.  I was hesitant to apply based on my high debt level and expected a high interest rate if approved.

    I filled out the online application and after a few seconds I was redirected to a page that said my application was being reviewd and I would receive an approval decision within 5-7 days OR I could call the given number to expedite the process.  I called and was talking with a credit application consultant within about 2 minutes.  From starting the online application to being approved on the phone call took was under 10 minutes and I was given the limit over the phone. See numbers below.

     The process was simple and the customer service on the phone call was excellent and hassle free!   I applied for this card on April 17th and recieved it April 23rd.  The website is very user friendly with great security features and is better than the others I use.  After my my debt is down I plan to negotiate the limit/rate and make this my primary card because of the experience so far and the rewards program.  I hope everyone else has the same experience I did.   Here is the stats I had going into the application:

CK score: 717                                                                                                                                                            Vantage Score: 761                                                                                                                                                                                                                                                                                                  Approved amount: $2400 with interest rate of 22.99% after the promotional periods (I'm sure it's due to my debt level)    FICO score: 721 (provided by Discover when I received the card in the mail)

ReclinerBum's response was:    

  Apr 24, 2014

ReclinerBum(1, 1)

Review by ReclinerBum

1 Contributions 1 People Helped

Discover card Helpful to 2 out of 2 people

Five more months to pay and I`ll be done!! Getting rid of it as soon as possible!! It is nice to know that so many like this card.....

I missed one payment by one day and it goes from 12.49% to 25.99%!!  I`m sure you all can understand why I plan on closing this card..

kemper60's response was:    

  Apr 22, 2014

kemper60(4, 2)

Review by kemper60

4 Contributions 2 People Helped

approved!!! Helpful to 1 out of 1 people

So according to credit karma my approval odds for this card were poor. I went ahead and applied anyway and was surprisingly approved with a $5500 credit limit with a ck score of 670 and a vantage score of 740 

Apr 21, 2014

See all 326 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.