It Card It Card It Card It Card It Card
It Card It Card It Card It Card It Card

Apply Now No Annual Fee

Generous Cash Rewards

Rewards that add up

Rewards that add up

5% Cash Back

5% Cash Back

5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.
5% Cashback Calendar

1% Cash Back

1% Cash Back

Get cash back every time when you use your card. Earn 1% cash back on all other purchases with no cap.

Learn More About Rewards

Redeem Any Amount, Any Time

Redeem cash back in any amount, at any time.2 Never lose your cash back.

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Security Features

Security done right.

Animatd gif demonstrating locking procedure
Animatd gif demonstrating locking procedure

Security done right.

New! Freeze ItSM on/off switch for your account.

Misplaced your card? Now if you lose your card, you can Freeze It to prevent new purchases, cash advances or balance transfers on your account. Freeze or unfreeze in seconds with our mobile app or website.3

Service and security built around you.

Reach our 100% U.S. live service any time you call. Or rely on powerful, fast mobile and online service. We ship replacement cards overnight for free to any U.S. street address at your request—even on vacation.4 And we never hold you responsible for unauthorized purchases on your Discover card.

Free FICO® Credit Score5

Discover was the first credit card to provide your FICO® Credit Score on monthly statements, online and on mobile for free.

Apply Now No Annual Fee

Compare It to the Rest

All with no annual fee*

Compare Credit Cards
< Blue Cash
Everyday® Card
from American
Express®
>
Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
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Citi®
Double
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Security Discover it Card Blue Cash
Everyday® Card
from American
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Capital One®
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Citi®
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Bank
Americard
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Freeze your account in seconds with an on/off switch on the mobile app or website to prevent new purchases 3 Discover Orange Check Gray X Gray X Gray X Gray X Gray X
$0 Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your credit card Discover Orange Check Gray check Gray check Gray check Gray check Gray check
Free overnight shipping for card replacement to any U.S. street address at your request 4 Discover Orange Check Gray check 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®
Double
Cash 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 X Gray X
No late fee for your first late payment Discover Orange Check Gray X Gray X Gray X Gray Check Gray X
No overlimit fee 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
Service Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card
Bank
Americard
Cash
Rewards™
Free FICO® Credit Score on monthly statements, online and in our mobile app 5
Discover Orange Check Gray X Gray X Gray X Gray X Gray X
100% U.S.-based customer service available day or night Discover Orange Check Gray X Gray X Gray X Gray X Gray X
Accepted where you shop at 9.2 million merchants 6 nationwide Discover Orange Check Gray X Gray Check Gray Check Gray Check Gray Check
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
Rewards Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card
Bank
Americard
Cash
Rewards™
5% cash back in categories that change each quarter 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 with no cap Discover Orange Check Gray Check Gray Check Gray Check Gray Check Gray Check
Redeem your cash back for cash, any amount, any time 2 Discover Orange Check Gray X Gray X Gray Check Gray X Gray X
Never lose your cash back Discover Orange Check Gray X Gray X Gray X Gray X Gray X
Use your cash back instantly at Amazon.com checkout 7 Discover Orange Check Gray X Gray Check Gray X Gray X Gray X

Comparison conducted by an independent research firm and based on data compiled on March 2015, from company websites, customer service agents, and consumer credit offers.

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Apply Now No Annual Fee

“Highest in Customer Satisfaction with Credit Card Companies.”
Tied in 2014.

“Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014.”

We couldn't have done this without our cardmembers. So we invite you to join them and see what credit card
customer satisfaction really feels like.

We couldn't have done this without our cardmembers. So we invite you to join them and see what credit card customer satisfaction really feels like.

Pricing

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.

Apply Now No Annual Fee

Cardmember Reviews

Apply Now No Annual Fee
  1. 1. Reviews: 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. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  3.     See rewards terms and conditions.
  4. 3. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  5. 4. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
  6. 5. FICO Credit Score Terms: Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to the Primary cardmembers only that have an available score and is provided on the statement for individual accounts and on Discover.com for individual and joint accounts. See Discover.com/FICO about the availability of your 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.
  7. 6. Accepted at 9.2 Million Merchants: According to the Feb 2014 issue of the Nilson Report.
  8. 7. Use Rewards at Amazon.com: 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/Cashback Bonus.
  9. Discover received the highest numerical score among credit card issuers in a tie in the proprietary J.D. Power 2014 Credit Card Satisfaction StudySM. Study based on responses from 19,913 consumers measuring 11 card issuers and measures opinions of consumers about the issuer of their primary credit card. Proprietary study results are based on experiences and perceptions of consumers surveyed in September 2013-May 2014. Your experiences may vary. Visit jdpower.com.

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Rated 4.8 out of 5 by 10827reviewers.
Rated 5 out of 5 service excellent client service especially since it is in the USA May 21, 2015
Rated 4 out of 5 Good Over all is good but not accepting in some of the flight reservations through online May 21, 2015
Rated 5 out of 5 by Aunt Just love my discover card. It is accepted everywhere I shop. I love that I earn cash rewards for my purchases. May 21, 2015
Rated 5 out of 5 by Blows away all other cards I heard about this card from a friend, and I ended up receiving an application in the mail a few weeks later. After seeing everything this card has to offer, I immediately applied for it. I love the 5% cashback rewards program as well as the excellent customer service. The app is also a great tool that I use on my smartphone. I believe this card exceeds the benefits of any other card I am aware of, especially since I am a college student. May 21, 2015
Rated 5 out of 5 by Greatest card to have Great card, keep up the good work. highly recommended and easy customer service. Discover is the pioneer of tools for their customer protection. Im honored to be a part of their network. May 21, 2015
Rated 5 out of 5 by Discover card is the best! I love Discover card..for the cash back, but mostly for the customer service, it is absolutely the best! When you call, you get to talk to a person! May 21, 2015
Rated 5 out of 5 by Fabulous Credit Card to have! Love Discover and all of the perks it comes with........truly an asset to have in you wallet......Just wish it was accepted everywhere but I'm it will get better with time. Good job Discover!!! May 21, 2015
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