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

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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.

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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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Bank
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Security Discover it Card Blue Cash
Everyday® Card
from American
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Chase
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Capital One®
Quicksilver® Cash
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Citi®
Double
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Bank
Americard
Cash
Rewards™
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 10844reviewers.
Rated 5 out of 5 by Nothing but Impressed... Since opening an account with Discover, I have been utterly impressed, most notably, with the level of service that I have received, both in online communications and from representatives with whom I have spoken.Discover provides its members with a number of added value options; but at the same time, they do not overload your inbox with unimportant and unnecessary advertisements and offers.In addition, when I have had to direct questions to representatives by phone, the individuals with whom I have spoken have always been knowledgeable, informed and able to address my issues quickly and satisfactorily. Even more, as silly as it may sound, the representatives from whom I have received assistance, actually appear to be happy to assist me. Their positive attitude and willingness to provide a response to my concern sets Discover apart from other customer service departments.I would absolutely recommend Discover; and in fact, it is the only credit card that I hold. May 24, 2015
Rated 5 out of 5 by Love the card and rewards Great card rewards program, easy to use, and awesome discounts! May 24, 2015
Rated 5 out of 5 by Love this card! I swore I would never get another credit card but the terms were so good that I changed my mind. I am so glad I did. I have had the best experience with this card. May 24, 2015
Rated 5 out of 5 by Discover Rocks!! The best card I've ever had. They sent me a 5 dollar gift card to Starbucks just for the heck of it. I love Discover! May 24, 2015
Rated 5 out of 5 GREAT CARD Great card to to have for everyday spending. Great May 24, 2015
Rated 5 out of 5 by student card I really like this card, great for a student building credit and great customer service May 24, 2015
Rated 5 out of 5 by This is IT!! This is the credit card I have since longed for!! It is LOADED!! May 24, 2015
Rated 5 out of 5 by Customer Service I recently received a call from the Customer Service department and they told me there were two items on my credit card that might be fraudulent and asked me to review them. I normally use the credit card for basically the same things every month. Last month I bought a pizza on line to be delivered and had to put all the credit card info on web sight. When delivery guy got there he had to see my credit car and drivers license. He saw everything including the three numbers, used to identify myself on the back of my card. Within the next two days I was billed for two gasoline purchases from the L.A. area that were not from me. I hadn't noticed but was called from Discover and asked about them. I told them I knew nothing about them, they removed them from my bill and gave me a new card. I am very thankful to Discover It card for being very professional and observant. May 24, 2015
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