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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.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 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: 622
Typical High: 743
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

744 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

Good addition Helpful to 8 out of 8 people

First off, and most importantly, despite my issues with this card, I recommend it.  For those looking to maximize your cash back, having this, the Chase Freedom, the Amex Blue Cash Preferred, and your choice of "backup" (Quicksilver, Citi Double Cash, or a high points travel card) means you'll likely average 3.5% cash back on all your purchases throughout the year, and significantly more the first year thanks to all the intro offers.

I was looking to build my credit.  I spent my early years opposed to credit cards in general, but with the current offers out there, it was feeling pretty silly not to take advantage.  I have a tendency to over research everything, which is what I did in this instance.  My credit wasn't terrible (670), but I wanted to get it above 720 as quickly as possible.  My research pointed me to Capital One or Discover as being the best in the business for a variety of reasons.  After a lot more research, I chose the Discover it card.  I was instantly approved for a $1400 CL, and rejected for the 0% intro APR, instead being put straight into the highest APR they had.  I somewhat understood the second decision, but with a household income exceeding $200k I was flabberghasted the CL was so low.  In fact it was far too low.  Not only that, but carrying a small balance is supposed to help you grow your credit faster.  Frustrated, I immediately applied for the CapitalOne VentureOne card.  Similarly, I was instantly approved, this time for a $10k limit.  They gave me the middle tier APR, and 15 months of 0% APR.

My experience with CapitalOne has been better in almost every way.  The only thing "better" about the Discover card was it shipped within 3 business days, 7 days earlier than CapitalOne.  Other than that, I've used the cards about the same.  Thanks to CapitalOne's intro 20k miles offer, I have 26k miles after 5 months, which means CapitalOne has paid me about $260 to use their card.  I have about $60 in cash back from Discover, in comparison.  Furthermore, when I first recieved the card, the first thing I asked customer service was whether I had to enroll for the 5% cash back, to which they replied "no."  As soon as I started using the card it was pretty obvious I did have to enroll, which while simple, makes using this card more work than CapitalOne.  Same with redeeming rewards.  As simple as Discover is, Purchase Eraser is the best rewards redemption program by a country mile, IMO.  It's super easy, and you don't hurt your own cash back like you do with statement credit.

Finally, while I definitely get compliments on this card (love the look), it loses more ground to CapitalOne for not having a chip.  I take almost all my vacations in Europe, so having no foreign transaction fees was a requirement, but without a chip, should I use Discover, I'll once again have to be one of the silly Americans asking clerks to dig out and dust off their swipe machines.

P.S. 3 months in and I requested a CLI as directed by customer service.  They increased my CL from $1400 to $1600.  I've since applied for 2 more cards and recieved CLs of $6500 and $4000.  I'm not sure what the deal is with Discover and their crazy low limits.  Ultimately it doesn't matter as I only ever plan on using this card in its 5% categories going forward, which cap at $1500 per quarter.

Derffed's response was:    

May 19, 2015

Derffed(1, 8)

Approved! Helpful to 4 out of 4 people

I don't have many credit references. I only have one credit card with best buy with 1k CL and always paid on time.  I have 5 student loans. Overall I have about 5 years of credit history. My credit karma scores with both TU and EQX were 692. I have an annual salary of 26k.  They rated the Discover IT card as GOOD and after reading the reviews I thought I would go ahead and apply and was approved instantly. I called customer service and they were able to tell me I was approved $6400! I haven't received the card yet but can't wait to start building my credit history/score! :)

ksomsavath3's response was:    

May 18, 2015

ksomsavath3(1, 4)

See all 744 Reviews of Discover it®

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 November 2014 through April 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.