No Annual Fee

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It Card

Looking out for you.

You're never responsible for unauthorized purchases on your Discover card.

We monitor every purchase, every day and alert you of unusual activity by e-mail, phone or text. If you misplace your card, you can freeze it any time with our website or mobile app – you can still shop online or by phone with your account number. If you need a new card, we can even overnight it for free at your request. Plus, our U.S.-based Fraud Specialists are here to help any time.

Service on-call, online and on-the-go.

Any time, day or night, you can reach a real person here in the U.S. when you call. Plus, our powerful mobile and online tools make managing your account fast and easy. Make payments. Get alerts and reminders. All with a tap of your finger.

Free FICO® Credit Score on your monthly statement and online. Only from Discover!2

Your FICO® Credit Score is one of the most frequently used pieces of information that lenders review when they're making a credit decision about you. So we think you should know it, too. Seeing your score for free each month will help you stay on top of your credit and avoid surprises.

Rewards that just keep adding up.

5% cash back

5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy.
5% Cashback Calendar

1% cash back

Get nonstop cash back every time you use your card. Earn 1% cash back on all other purchases.

Online Shopping

Get 5-20% cash back at 200+ online retailers like Apple Store, Macy's and BestBuy.com through ShopDiscover.com.

Amazon.com

Choose from millions of items at Amazon.com and Pay with Cashback Bonus.3

$1 cash back = $1 at checkout

Learn More About Rewards

Compare Credit Cards

Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
Rewards Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
5% cash back in categories that change offered to all cardmembers up to the quarterly maximum when you sign up Discover Orange Check Gray X Gray Check Gray X Gray X Gray X
1% cash back or more on all other purchases Discover Orange Check Gray Check Gray Check Gray Check Gray X Gray Check
Use your rewards instantly at Amazon.com checkout3 Discover Orange Check Gray X Gray Check Gray X Gray X Gray X
Value Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
No Annual Fee Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Paying late won’t raise your APR Discover Orange Check Gray X Gray X Gray X Gray Check Gray X
No late fee for your first late payment Discover Orange Check Gray X Gray X Gray X Gray Check Gray X
If you lose your job, get a lower rate, lower payment or other help Discover Orange Check Gray X Gray X Gray X Gray X Gray X
No overlimit fee Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Service Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
Free FICO® Credit Score on your monthly statement and online2
100% U.S.-based customer service available any time Discover Orange Check Gray X Gray X Gray X Gray X Gray X
Pay your bill up to midnight (ET) the day it's due by phone or online Discover Orange Check Gray X Gray X Gray X Gray Check Gray X
Travel Benefits Terms & Conditions Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
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Auto Rental Insurance:

For full terms and conditions (including definitions and information on how to file a claim), please go to Discover.com/cardbenefits or call 1-800-DISCOVER (1-800-347-2683). Exclusions and limitations apply. Secondary Auto Rental Collision Damage Waiver Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, 15 Mountain View Road, P.O. Box 1615, Warren, NJ 07061-1615 and administered by Crawford & Company, P.O. Box 4090, Atlanta, GA 30302.

Auto Rental Insurance provides coverage if your rental car is damaged in a collision Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
No foreign transaction fee Discover Orange Check Gray X Gray X Gray Check Gray X Gray X
Emergency travel assistance to help when you're away from home Discover Orange Check Gray Check Gray Check5 Gray Check Gray Check Gray Check
Shopping Benefits Terms & Conditions Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Simplicity®
Card
Bank
Americard
Cash
Rewards™
Close

Purchase & Price Protection:

For full terms and conditions (including definitions and information on how to file a claim), please go to Discover.com/cardbenefits or call 1-800-DISCOVER (1-800-347-2683). Exclusions and limitations apply. Price Protection coverage is underwritten and administered by Connexions Loyalty, P.O. Box 6175, Westerville, OH 43086. Purchase Protection coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, 15 Mountain View Road, P.O. Box 1615, Warren, NJ 07061-1615 and administered by Sedgwick Claims Management Services, Inc., PO Box 89405, Cleveland, OH 44101. Items stolen from vehicles are not eligible for Purchase Protection coverage.

Accepted where you shop at 9 million merchants4 nationwide Discover Orange Check Gray X Gray Check Gray Check Gray Check Gray Check
$0 Fraud Liability Guarantee means you're never responsible for unauthorized charges Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check

Comparison conducted by an independent research firm and based on data compiled in March 2014 from company websites, customer service agents, and consumer credit offers.

All with no annual fee.

0% Intro APR* for 14 months on purchases and balance transfers

Then 10.99%-22.99% Standard Variable Purchase APR applies

3% fee for each balance transfer

*See rates, rewards and other info.

  1. 1. Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/it-card/reviews/
  2. 2. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. FICO® Credit Scores are delivered only to Primary cardmembers who get a monthly statement and have an available score. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
  3. 3. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus
  4. 4. According to the Feb 2013 issue of the Nilson Report.
  5. 5. Feature not available on Chase Freedom Visa Platinum

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Rated 4.8 out of 5 by 3510reviewers.
Rated 5 out of 5 by Happy with my card Happy with my Discover card! I wish it were accepted at more places but happy with the rewards; especially that I can automatically load my rewards dollars and spend them on Amazon! April 22, 2014
Rated 5 out of 5 by Discover it!!! Seriously. Get this card. High credit limit, great rewards, excellent customer service. I just love it. April 22, 2014
Rated 5 out of 5 by Love It Best card I ever had discover is the best credit card , there always there to help you out . April 22, 2014
Rated 5 out of 5 by LOVE my Discover IT Card I've never been happier with a credit card! The cash back bonus is a great perk, the customer service people are wonderful to deal with. Highly recommend this as your #1 credit card! April 22, 2014
Rated 5 out of 5 by Discover it Card Great customer service, No annual fee, No overlimit fee, No foreign transaction fee, Great cash back deals,free FICO® Credit Score April 22, 2014
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