Generous Cash Rewards

5% Cash Back

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.
5% Cashback Calendar

Learn More About Rewards

Redeem Any Amount, Any Time

You can redeem your cash back for any amount at any time.2 And your cash back never expires.

New! Double All Cash Back Your First Year

New! Double All Cash Back Your First Year

We double all the cash back you've earned at the end of your first year – only for new cardmembers.8

Apply Now No Annual Fee

Security Features

Looking out for you.

Animatd gif demonstrating locking procedure
Animatd gif demonstrating locking procedure

Looking out for you.

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.

Our 100% U.S. live service is available 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.

New! Track your recent FICO® Credit Scores for free5

Stay on top of your credit and avoid surprises. Now you can see your recent FICO® Credit Scores in one easy-to-read chart on monthly statements and online. Plus see the key factors online from your credit history that affect your score the most.

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®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card
Bank
Americard
Cash
Rewards™
Rewards Discover it Card Blue Cash
Everyday® Card
from American
Express®
Chase
Freedom
Capital One®
Quicksilver® Cash
Rewards
Citi®
Double
Cash Card‡
Bank
Americard
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Double all the cash back you've earned at the end of your first year automatically – only for new cardmembers 8 Discover Orange Check Gray X Gray X Gray X Gray X Gray X
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 rewards for cash in any amount, any time 2 Discover Orange Check Gray X Gray X Gray X Gray X Gray X
Your cash back never expires. Discover Orange Check Gray Check Gray Check Gray Check Gray X Gray Check
Use your cash back instantly at Amazon.com checkout 7 Discover Orange Check Gray X Gray Check Gray X Gray X Gray X
Security 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™
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 Check
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 Check 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™
Track recent FICO® Credit Scores for free on monthly statements and online5 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

Comparison conducted by an independent research firm and based on data compiled on July 2015, from company websites, customer service agents, and consumer credit offers. Citi® Double Cash Card offers 1% cash back on purchases and then 1% cash back as you pay for purchases.

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Apply Now No Annual Fee

Pricing

All with no annual fee.*

0% Intro APR* for 12 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 and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as 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. 8. Double First Year Cash Back:After the first 12 consecutive billing periods that your new account is open, we will double all the cash back rewards you've earned and apply them to your account in the next billing cycle. You've earned rewards when they have posted to your account by the end of the 12th consecutive billing period. You will not receive Double Cash Back if your account is closed or no longer in the cash back reward program as of the award date. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  10. *   Intro purchase APR is 0% for 12 months from date of account opening ; then the standard purchase APR applies.Intro Balance Transfer APR is 0% for 12 months from date of first transfer, for transfers under this offer that post to your account by December 10, 2015 ; then the standard purchase APR applies. Standard purchase APR: 10.99% to 22.99%, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer . Annual Fee: None. Rates as of August 31, 2015. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

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Rated 4.8 out of 5 by 12551reviewers.
Rated 5 out of 5 The Discover "It" Card Awesome customer service and benefits. Everyone should have this card. July 20, 2015
Rated 5 out of 5 by Satisfied Customer Love this card! It's flexible and it allows me to have the spending power that I need, when I need it. Customer service is excellent. July 20, 2015
Rated 5 out of 5 Great Overall Card I use this card most of all. It's cashback is the best of all my cards. Website and apps are the best of all my cards. Love the free credit score feature. July 20, 2015
Rated 5 out of 5 Love it I love having my discover card. I love the fact that I get my fico score free each month! Great customer service. July 20, 2015
Rated 5 out of 5 by my power in life Great benefits and use of card.I enjoy using my card and lets see more discounts and buying power. July 20, 2015
Rated 3 out of 5 Overall 3 stars The Discover It card is a fantastic card itself. It offers great perks and the Cashback system is one of the best available. Yes you get 1% compared to the Capital One Quicksilver which offers a solid 1.5%, but Discover has so many more options on how to use your rewards. Most companies require you to have a minimum of $25 dollars in acquired rewards to redeem them, and when you do, it is for useless gift cards or a statement credit. With Discover you can have it put straight back into your account. Cold, hard CASH right back in your pocket! How great is that? It is widely accepted, I have only had about 2 places to turn down my Discover It card, and when they did I decided to not complete my purchase. Why pay for something and not earn rewards on your purchase? The Discover customer care team is also very friendly. The only two negative things I can see about my Discover It card are 1.) The online center is not very detailed. Its only the recent basics and thats about it. 2.) Discover is a VERY conservative lender. So for you folks trying to benefit of the 5% category bonuses on those large purchases you make or simply of the 1% cashback rewards, beware, Discover will 80% most likely not give you a credit limit as generous as other high end lenders such as American Express. All in all, they are an okay company. And the card itself is decent. July 20, 2015
Rated 5 out of 5 by Great Customer Service-Great card I have to say it is refreshing to get a Customer Service Rep based in the United States. Very good customer service. I also like the benefits attached to this card...very worthwhile if you are looking for a credit card. July 20, 2015
Rated 5 out of 5 Convenient I enjoy the Discover It Card. Good benefits and convenient to have. July 20, 2015
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