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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 8,000 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% cash back in categories that change each quarter. Now through June 30 earn 5% at Restaurants and Movies on up to $1,500 in purchases after you sign up.* 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 purchases on your Discover card.
  • 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: 612
Typical High: 742
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

726 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

NOT approved. No explanation why. Helpful to 4 out of 6 people

I was denied with a 676 TU score. My credit usage is 5%  and I have 100% on time payment history. I was hoping to use this card to help raise my FICO, instead it just resulted in an extra hit. Boo.

I wish I knew why I was declined.

alice28's response was:    

Apr 27, 2015

alice28(1, 4)

Bait and Switch Helpful to 2 out of 2 people

I thought that the customer service was good, but the offer for credit card transfer was denied. However, a prepaid card was offered. My odds of approval was VERY GOOD, they said a charge off 6 years ago would  not allow them to approve the initail offer. What I've learned is to stay with the card you have. paydown to 30% and WAIT until your credit is atleast 650 and up. My FICO was 610 6 years of no missed payments.

vebros66's response was:    

Apr 27, 2015

vebros66(1, 2)

You want to discover the benefits. Helpful to 1 out of 3 people

I applied for this card and initially got 8,000. After 6 months i got an increase and now have a line of credit of 10,000. I love my card and they are true to their rewards. No hassle. I use this card for everything especially because of al the rewards they have and being  nursing student I make purchases that they have promotions for(ex. starbucks)

I ditched my capital one for this one.

c102174's response was:    

Apr 27, 2015

c102174(1, 1)

Quick and easy application process. Helpful to 1 out of 2 people

Just applied for the Discover it card for the 5% cashback on rotating catagories. I had to provide additional documents to prove address and SSN but was instantly approved for $6,000 credit line after submitting the documents. I think my credit karma scores were 740 and 745 when I applied. 

gventerprise's response was:    

Apr 26, 2015

gventerprise(1, 1)

See all 726 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 October 2014 through March 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.