Discover it® Card

Discover it® Card Review: Credit Cards

Credit Card
 
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Rating:
Bottom Line:
Combines cash-back rewards (5% for online shopping & dept stores now thru Dec 31st) with a 14-month 0% intro APR on purchases & balance transfers and no foreign transaction fees.
Full Review:
5 2014-12-08 11:18:38 The Discover it® Card is a good fit for consumers who have excellent credit and would like to transfer a high interest balance to a 0% APR account for 14 months and still have the opportunity to earn significant cash rewards. Users will also enjoy a 0% purchase APR for the first 14 months of card ownership. Additionally, Cardholders can take advantage of 5% cash back (up to $1,500 in purchases) in rotating quarterly categories. This quarter cardholders will earn 5% cash back for online shopping and department store purchases from October through December 2014. They'll also earn a standard 1% cash back on all other purchases as well as a free FICO® Score on their monthly statement. And globetrotters will appreciate that there are no foreign transaction fees on purchases made outside the U.S.

Highlights
  • 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 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+.
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 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".

Rewards
  • Earn 5% cash back on up to $1,500 in purchases within select categories that rotate quarterly. Right now you'll earn 5% cash back for online shopping and department store purchases on up to $1,500 from Oct. through Dec. 2014.
  • Earn 1% cash back on all other purchases, with no limit on how much you can earn.
  • Earn 5% to 20% Cashback Bonus through exclusive online shopping mall.

Redeem Rewards
  • Rewards are redeemable in $20 increments.
  • Deposit into your bank account or credit your Discover card account.
  • Turn your cash rewards into more when you redeem for gift cards or eCertificates from over 100 brand-name Partners.

Fees and APR
  • No annual fee.
  • No foreign transaction fees.
  • 0% Intro Purchase APR: 0% APR for the first 14 months, then Purchase APR.
  • Purchase APR: 10.99% - 22.99% Variable, depending on creditworthiness.
  • Balance Transfers: 14 month, 0% Intro APR for for transfers under this offer that post to your account by February 10, 2014, then Purchase APR. Balance transfer fee is 3% of the amount of each transfer.


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Card Details:

Purchase APR:0% for first 14 months,
then 10.99% - 22.99% (Variable)*
Features:5% cash back on purchases within select categories; 1% on all other purchases
Annual Fee :None
Credit Needed:Excellent

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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.