Discover it®

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-315-3519
  • New! We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $100 cash back, we'll double it to $200-Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like department stores, and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Annual Fee:
Purchase Intro APR:
(12 Months)
Purchase Regular APR:
10.99% - 22.99%*
Balance Transfer Intro APR:
(12 Months)
Balance Transfer Regular APR:
10.99% - 22.99%*

Details, Rates & Fees

Click here for 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.

Cash Advance Rate 24.99% Variable*
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None


Savings over 1 year $469
Savings over 3 years $1,166

Transaction Type Value

Savings Details

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.


All Purchases

1% cash back per dollar

No cap on spending

Cardholders' 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 Helpful Positive Review
So Far So Good
by sisler
Helpful to 1217 out of 1315


I applied for this card on Tuesday. I was instantly approved with a CL of $1200.00. I received the card yesterday via FedEx. 

The card comes with quite a few disclosure documents. I noticed in the disclosures that they evaluated my credit worhiness based on a TU score of 656, which is old. My current score is 716. Since they pulled my latest score on Tuesday, I'm surprised that the score they report using is not up-to-date. If anyone can shed some light on that, please do!

Aside from that, I'm pretty excited about having a Discover card. The ratings from other customers seem good. I'm a bit nervous about the variable interest rate which is based on the primte rate (which is currently at historical lows). But I don't plan on carrying a balance.

Lastly, I just want to say that CreditKarma is a really good service. Since becoming a member, I've increased my score by quite a bit and I'm more aware of how different parameters affect my score.

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 Helpful Negative Review
If you don't have a BK
by TheNog
Helpful to 98 out of 106

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.

Our Take

Discover it® is a good choice for consumers searching for a quality credit card that offers both low interest rates and cash back rewards.

What to Like

Cardholders receive a 0% intro APR for up to 12 months on both purchases and balance transfers and get 5% cash back on up to $1,500 in revolving categories like travel, gas and more. Discover will also automatically double all the cash back you’ve earned at the end of your first year. Discover it® has no annual fee, no overlimit fee, no foreign transaction fee and no late fee for your first late payment.

Look Out For

This card features a 3% balance transfer fee. Revolving rewards categories also mean that you’ll have to pay attention to get the most out of your rewards card.

Similar Offers

† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 May 2015 through October 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.

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