Discover it® Card Review

Posted by CreditCardGuru

Discover it cardThe Discover it® Card was launched two years ago and was a dramatic improvement over its predecessor, the Discover More Card. It’s an exceptional cash-back card, and many hardcore reward seekers who routinely collect tons of airline and hotel points feel the Discover it is worth a place in their wallets for its exceptional cash back earning prowess. It might also be a good choice for those interested in the simplicity of a single card to fill their rewards needs.

As of March 2015, there are three ‘it’ cards on the market: The original ‘it’ card (which is what we’ll focus on in this review); the Discover it 2 percent cash-back card; and the Discover it Miles card.

When it comes to the original ‘it’ card, there are a couple of offers available:

  1. Use this link to apply for 0% Intro APR for 18 months on balance transfers. You also get a 0% intro for 6 months on purchases. After the intro periods, the APR is 10.99 percent to 22.99 percent Variable*
  2. Use this link to apply for 0% Intro APR for 14 months on both transfers and purchases. After that the interest rate is 10.99 percent to 22.99 percent Variable*

*Please click the links to see rates, rewards and free FICO Credit Score terms and other info.

The rewards

  • 5 percent cash back on categories – Just like its predecessor, the “it” credit card gives 5 percent cash back in popular categories that change throughout the year, such as restaurants, home improvement stores, department stores and more. You earn the full 5 percent on spending up to the quarterly maximum (typically that’s $1,500 in bonus category spending per quarter). For the first quarter of 2015 (Jan. 1 through Mar. 31), get 5 percent cash back on up to $1,500 on gas and ground transportation. That includes various stand-alone gas stations, as well as charter and tour bus lines, public transportation, trains, limos and rental cars.
  • 1 percent cash back on all other purchases – The old tiered rewards are a thing of the past. Now you earn a full 1 percent on all your other spending.
  • Discover deals screenshotExtra discounts and cash-back bonuses through Discover Deals – Discover’s online shopping portal has the potential to be very lucrative. You can shop at popular online retailers and earn either instant savings or an additional cash-back bonus.
  • No more redemption minimums – Discover eliminated its minimum redemption thresholds for direct deposits and statement credits in November 2014. In the past, you had to wait until you had $50 accumulated before you could cash out. Now, you can redeem for any amount. Minimums for gift cards may still apply.

You also get better benefits…

  • Almost no fees of any kind – No annual fee, no fee for first late payment, no over-limit fee, no fee for payments by phone and no foreign transaction fees. There are also no APR hikes for late payments.
  • Free FICO® Score Every Month – You get your genuine TransUnion FICO credit score for free on your statement every month. Because almost every credit score website gives imitators, the ability to get your genuine FICO without paying is a great perk. FICO scores usually cost $20 each. To get your complete FICO picture, you’d still need to pay $20 each for your Experian and Equifax FICOs, but having your TransUnion FICO for free every month is a very useful snapshot.
  • Flexibility – You can choose your own due date and you have until midnight EST to pay by phone or online.
  • Purchase Protection – All eligible purchases made with your Discover card are protected for up to $500 during the first 90 days if they’re stolen or accidentally damaged.
  • Extended Warranty – This insurance will extend the terms of the original U.S. manufacturer’s warranty and any purchased warranty for up to one extra year, on warranties of three years or less.
  • Price Protection – They’ll refund up to a $500 difference if you find a lower price within 90 days of making a qualifying Discover it card purchase.
  • Return Guarantee – Is the store refusing your return? With this benefit you can return any eligible purchase within 90 days for up to a $500 refund.
  • Unique design – The Discover it card prints all of the card information on the back.

It’s worth pointing out that merchant acceptance of Discover is improving in the U.S. You may be surprised to hear that they are now accepted at more than 8 million merchant locations nationwide and at 94 percent of the top 1,000 online retailers.


This is one of the best no-annual-fee rewards card on the market right now. I have the card myself and recommend it to you, too.

And remember now is an opportune time to get it because of the promotions that are available.

Below are the sign-up offers available for the Discover it during March 2015. Choose the one that works best for you.

  1. Use this link to get 0% Intro APR for 18 months on balance transfers. You also receive a 0% APR introductory rate for 6 months on purchases. After the intro periods, the APR is 10.99% to 22.99% Variable*
  2. Use this link to get 0% Intro APR for 14 months on both transfers and purchases. After that the interest rate is 10.99 percent to 22.99 percent Variable*

*Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other info.

Are you a student? Then check out the Discover it for students (with this link you get a $20 bonus after making a purchase within the first 3 months).

Updated March 4, 2015

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

95 comments... read them below or add your own

  1. Donald March 22, 2015 at 8:01PM

    I applied and was approved with an APR of 10.99%. Then when I received the packet with my card they pulled the old bait and switch and changed my APR to 17.99%. Great customer service and honesty.

  2. Diana December 13, 2014 at 3:41PM

    I’ve had the Discover It card for almost two months and have spent $2000 but have received $0 cashback despite the 1% back promise. Is this 1% accrued monthly or am I getting screwed? (1st statement doesn’t come til Dec 18).

  3. Arbitus December 13, 2014 at 8:53AM

    I have been a Discover card holder for over 25 years. This Shareholder Value driven company has not even had the courtesy to advise its very loyal “Discover More” to update their cards to the DiscoverIt card. They have purposely avoided doing any outreach or comparison between the cards. The effect of this has been to cheat their Discover More customer base out of rewards on the first $3000 of purchases every year. It is the Discover Card way of “rewarding” their customer base. You have better options elsewhere. Don’t “Discover It”, Junk it. Send a message to culture of Greed.

    • Chris March 3, 2015 at 6:21PM

      Arbitus…..I have had the card for over 24 years and have just now found out about it when I started questioning my stmt!!!! Makes me wonder what else is going on……

  4. Jerry December 4, 2014 at 3:16PM

    although I’ve been happy with the Discover card over the years the problems arose just recently is that they cannot get you a replacement card if you are out of the country. That seems to be lousy customer as most MasterCard Visa and American Express will FedEx you a new card no matter where in the world you are.

  5. Amber November 25, 2014 at 7:07PM

    I applied the other day and while I wasn’t approved for the regular Discover It card, I was counter-offered the secured version – EXACT same card so far as cash back and fee schedule, the highest APR (22.9%) and no balance transfer lowered APR, and secured by my deposit that will be fully refunded in 12 months with good payment history when the card is unsecured. I took them up on the offer and my card will be here sometime next week.

    I’m rebuilding credit after letting everything go to pot after a layoff a few years ago and I couldn’t be happier that Discover is giving me the opportunity. I don’t care that the APR is higher because I don’t plan to ever carry a balance anyway, and am pretty thrilled that a secured card has no annual fee, let alone rewards. All I can say is, thanks Discover!

  6. Josh November 10, 2014 at 12:06AM

    I am like everyone else rebuilding my credit. Have a capital one card with a 500 CL and a Barclay card with a 1300 CL. Wanted to raise my limits since I have been 100% ontime for the last 3years. So I decided to hit the button and see what happens, capital one gave me a $3k increase and Barclay gave me a $500 increase. So I thought let’s try this one more time, so I applied for the IT card and was approved for $1200 all on the same day.

    Trans.= 641
    Equifax= 642

  7. Vickster July 3, 2014 at 9:31PM

    I just got screwed over by Discover! I applied a couple months ago for the $150 bonus if you spend $750 the first 3 months. When I just inquires as to when I would be receiving this bonus, they told me that I hadn’t applied for that offer and they needed me to provide written proof. They had me down as getting the zero percent on purchases for 18 months…but isn’t that what they offer all the time anyway? I didn’t apply for that.

    Anyway, I applied online! I didn’t realize I need to do print screens of the links I used to apply for your card, Discover! I applied for two other cards the same day and received my bonuses without issues. BE WARNED…BAIT AND SWITCH tactics used!!!!!!!! Be able to verify the promotion being offers you when you apply and make sure you’re using the proper links.

  8. Ron June 15, 2014 at 10:02PM

    So I filed a chapter 7 in march of this year, and I applied for the it card in may thinking I would take the secured card option because of all the positive press. However I was approved for $1,500 two months removed from my 7. Needless to say the rate is higher than I would like, but hey there’s no fees associated as long as I pay within the grace period. Thanks discover

  9. Georgia June 10, 2014 at 3:41PM

    As a Discover It card holder.I highly recommend this card!

  10. shirley ann conrad May 30, 2014 at 7:43AM

    I just applied for A Discover card. I chose the wrong one. I was wanting to get the Discover it card. Can still get the (it) card ?

  11. Nancy May 23, 2014 at 12:09PM

    Have used this card since 1989 and been satisfied until now! Recently called to verify that my card would be accepted in four European countries we were traveling to. They said “absolutely” and “there would be no exchange charges!” Unfortunately, not one restaurant or store would accept the Discover card! This caused a hugh problem and inconvenience during our entire trip!! One other couple in our tour were given the same misinformation from Discover and also had problems! All other travelers had other cards with no problem. When I called Discover upon our return to the States, I was told “we are trying to get established in Europe “. I feel Discover lied to me before our trip and gave diseptive information! I will not be using this card in the future and will not recommend it! Capital One was widely accepted with no foreign fees!

  12. julia May 22, 2014 at 12:42PM

    Go away from this. It’s not a trustful place to put your credit it. I received the invitation about signing up discover ID credit card with $150 bonus if $750 was spent in the first 3 months. After my fulfillment of payment and keeping good pace with my credit card, they told me that the original offer is not valid any more, because 5% cash back shopping online was added to your account. Hey, man. Is this the cash back that everybody gets? Take a look at the response from the discover customer service,
    Thanks for your message. I appreciate you taking the time to contact us today.

    I am happy to provide you with some additional information about the offer for which you were approved.

    In reviewing your new account information I noticed that we were unable to approve you for the original offer for which you applied which was the offer that included the extra Cashback bonus, your account was approved for a new offer, which did not include the additional Cashback Bonus in the original offer. Our records show that we disclosed the terms of this new offer to you, and you accepted the new offer.

    However you do still have some great options for earning Cashback bonus on your account.

    In particular, when you sign up for our 5% Cashback Bonus programs, you can earn 5% Cashback Bonus on category purchases up to the dollar amount specified in each program. Category purchases in excess of the specified amounts will automatically earn the standard Cashback Bonus. You can find more information about these programs HERE.

    We also offer promotions through ShopDiscover, which give you the opportunity to receive a Cashback Bonus from 5% to 20% on your purchases. To qualify for the additional Cashback Bonus, simply link to the merchant’s website through ShopDiscover, and make the purchase with your Discover card.

    For more details about the features available on your account, please select Cashback Bonus at the top of the Account Home page.

    I appreciate your business and the time you have taken to contact me today. Thank you for choosing to use Discover.



    We appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today.

    DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners.


    Please save your time and energy, go for a freedom which is much better and trustful.

    • S June 8, 2014 at 8:56PM

      I was just screwed out of the $150 for spending $750 offer. I have an 820 credit score and never get turned down. After 3 months, my statement did not give me the offer I applied and was approved. After 30 days they conveniently delete the original phone conversations so there is nothing to review. I am going to find out what any other options are. I have had a $20k Discover card since 1995 and will NEVER EVER use it again. Their rewards are awful anyways and not accepted far too many places. This was their one last chance and they destroyed it.

  13. Barron p May 17, 2014 at 9:40PM

    If I have a 604 credit score do you think I’ll be approved for the discover it card?

    • vin October 23, 2014 at 1:32AM

      no it wont you have to have excellent credit for the zero percent apr cards and lower interest rates….you have good to possibly fair…soi would bet that you would be denied

  14. Michael Howery May 8, 2014 at 5:33PM

    I have been working on my credit.Got this invitation to apply.I did and didn,t qualify for the best offer but did for the discover it.Wasn,t told credit limit but found out on credit report just before I got card that it was 2000.I am just glad to get this card better terms then I have had for a while.

  15. David May 7, 2014 at 3:26AM

    First time I received a Discover Card prescreened offer in the mail that I liked and applied for it (14 months 0% APR) — only to get some absurd counter offer for 3.99% for 6 months. I get the prescreening is just a prescreening and there are no guarantees– but sure felt like a bait and switch to me. I do have the Ritz Carlton Chase Card, the Chase Sapphire Card, the Bold Ink Small Biz and a few others with Citi, Amex, even Barclay. My CC score is pretty top notch and I have good credit history. That being said, this counteroffering ridiculousness does sound like bait and switch to me. I will never use Discover as a card issuer.

    • shaphan May 21, 2014 at 2:21AM

      what was your credit limit with the 3.99 apr offer?

    • vin October 23, 2014 at 1:34AM

      you must carry a huge balancethen…..also you have good credit need excellent credit upwards of 720 at least toget the good rates

  16. lachicade61 April 29, 2014 at 4:47PM

    denied after receiving many invitation but i just got approved for a chase freedom card! :) GL all

  17. James April 29, 2014 at 7:12AM

    I had a Discover Rewards card. you got 5% on the same things but to get the 1% cash back you had to spend 3000 a month or earn .25%. which was was bad for me. The discover It was a better because you get 1% no matter what. getting the credit score is just a plus

  18. Leslie April 17, 2014 at 8:31PM

    I got the discover it in the mail and I was debating should i apply for
    It or not. I know my credit score is getting better but not as great. So i apply for the student discover it card cuz it says fair ctedit. Once i was done applying for it. I was approved last night! I was so happy. It didn’t tell me my credit limit so i called the discover customer service. The representative told me my credit limit and that’s the highest credit limit i ever had! I am definitely using this for gas, gocery, and emergency stuff especially if my car has a problem. I also like the discover it card cuz the name and numbers on the back and no one can copy your number down by looking at your credit card. Plus i like how they will take care of things for you. Unlike certain credit card i had that didn’t help me at all. Anyways i can’t wait to get my discover it card!

  19. Melissa March 31, 2014 at 2:46PM

    Don’t be discouraged by the 5-7 day thing. They are really, really nice on the phone and they approved me (with a CL that I’m happy with) after a quick conversation. Looking forward to the perks. :)

  20. Gio March 30, 2014 at 5:26PM

    I got an invitation in the mail with the offer of 0% APR for 14 months. I think this might have been because I signed up for Credit Karma, but not entirely sure. I had 3 credit cards in 2010 that I was late on for 120 days and they were sent to collections. They were around 1k each so that sunk my credit score pretty low. After paying those all off and taking a break, in early 2012 I got a Credit One Bank card (for poor credit).
    After being diligent with this card, finally today I applied for this It card. It was really between this and the Chase Freedom, but looking at the reviews, the Freedom was harder to get approved for. It would have been nice because I have a Chase checkings account. Well after 2 different prompts for more information a screen popped up saying I wasn’t approved for the 0% APR for 14 months, but I can just accept the regular card. Well I was pretty much just happy to get a real credit card. They didn’t tell me how much I was approved for so I called just to see. I got $1400 which is more than I ever had before with my previous cards. After going through all the credit card problems 4 years ago I am happy to say I will definitely be a lot more responsible this time around. GL to everyone that decides to apply for this card.

  21. lisa March 19, 2014 at 10:46PM

    Is this a good credit card to build your credit on fast? I was advised to get a card that will report to all 3 agencies so my score will increase fast.

  22. Susan March 7, 2014 at 2:22AM

    I just received the Discover It card in the mail and I am not too thrilled with the design. It looks so plain that it looks more like a sample card that you peel right out of a magazine. The card number is printed flat on the back of the card, not raised like a normal credit card. Your name is also printed on the back, instead of the front. The front only has the Discover It logo and that’s it. Honestly, the old design is better. Sadly, this card does not have the “IT” card look. They need to redesign this card and come up with something better! Seriously, whoever was the genius that came up with this new design, should be fired!

    • susie March 7, 2014 at 2:01PM

      I don’t understand….did you get the card for its looks or for the benefits?

      • Megan March 14, 2014 at 9:44AM

        I agree, who cares what it looks like?

    • Crystal March 14, 2014 at 8:52PM

      I actually like the sleek design of the card. It’s unique and less prone to identity or credit card theft. That’s why your name and credit card number are on the back. Also, the numbers are flat for a reason. Standard raised numbers can be easily stolen by simply laying paper over the raised numbers and rubbing with a pencil. It’s smart and safe the way the designed it. Approved by me. :)

  23. Zach February 24, 2014 at 10:25AM

    I’ve had a discover card for about two years now. I’ve loved the card and the customer service has always been phenomenal. I few other things I like about the card, you can use cashback to pay for goods directly through Amazon at checkout. It’s very convenient. They also provide your FICO credit score on your bill every month (you will have to download your bill online if you are going paperless). Having said that, I’ve only generated around a 1.2% cashback bonus over the last 12 months (spending around $2,500/month). Obviously this will vary from person to person, but I find it helpful when people give real world examples. 5% on rotating categories sounds nice, but the fact is you probably won’t spend enough in those categories to boost your return much over the 1% base. I’m considering switching to a card that just gives a flat 2% on all purchases. Good luck!

  24. Kasey R January 28, 2014 at 4:20PM

    I just applied online and was approved, however, when I tried setting up my account, my computer froze. I called to see how much is my CL and service rep said she cannot pull my information. REALLY?!! She said to wait 7-10 business days. I just got approved for a Walmart CC last week with a limit of only $1000 but so curious what limit this Discover card could be? Will update soon.

    This will be my 13th credit card. I manage all my cards well, have utilization at 10% and overall credit limit is about $145000. I’m only 28 years old and enjoy the feeling of being approved.

    • Trisha January 30, 2014 at 10:44AM

      13 Credit Cards? OMG! Why do you need 13 credit cards? You are a perfect example of how these Credit Card companies are sucking you into their web to go for the kill. These companies will make money from you. You are 28 years old I guarantee you by age 33 you will be filing for bankruptcy! Look at the finance charge these credit cards are charging you. If your finance charge on any of your cards is more than 12% you are heading for disaster! You DO NOT need 13 cards! One or two major cards is all you need. Discipline yourself in your spending habits otherwise you will find yourself out on the street with nothing to show for all the money you spent on these cards. The feeling of buying something new and shiny will only last for a couple of days. Your “feeling of being approved” is a sure sign you are heading for trouble.

      • Jordan February 27, 2014 at 2:20AM

        Trisha, the amount of cards a person has is inconsequential in comparison to how responsible that person is with those cards. You make it out to sound like if we are trusted with big responsibilities that we are bound to fail. Furthermore, just because a person has 13 credit cards doesn’t mean that they spend lots of money. Couldn’t, for example, a person who has $100,000 in total credit spend less than a person who is only approved for $10,000?

    • phong February 18, 2014 at 3:00AM

      I also have around 12 cards. I never hardly ever use them. I collect them I guess. Haha

      • Tony August 14, 2014 at 9:39PM

        No need to worry. In fact in today’s world 13 cards not bad. Use them don’t let them use you. One guy I know has 39. Obvious the guy saying you will be bk does not understand today’s credit world. The fact you got 13 says a lot. Not negligent. But responsible. He should have asked how many with balance. I got 14. Balance on2 76 dollars. And 735. New laptop. So I guess I will be bankrupt too. Im49 years old. All those keep my util low and credit scores high. Good job youngster. Tony

    • NoseyNeighbor September 9, 2014 at 1:56PM

      Kasey, Kasey, Kasey You need to sit down and have a serious conversation with yourself (and then an unbiased credit counselor). If you are getting your sense of self worth and “approval” from credit cards (13, really?) then you are headed down a dangerous and painful path.

    • vin October 23, 2014 at 1:39AM

      walmart only gave you a 1,000 credit limit and you have 13 credit cards…..I wouldnt extend you another 50 dollars with the road your going….be smarter and cancel some of the newer cards that you got….good luck id hate to be you

  25. Jeremy January 16, 2014 at 7:04PM

    A year removed from completing a 5 year Chapter 13. Have had a Cap One since Feb 2013 and my CL has been increased twice. Applied for the Discover IT in May and was denied. Applied last evening and was approved for $1900. All you need is time, common sense approach to rebuilding your credit and lots of patience.

  26. Geo January 12, 2014 at 8:19AM

    I have received multiple invitations in the mail for the Discover it card and finally decided to apply on-line. At first I was a bit hesitant to apply as my credit report is less than perfect due to 2 accounts in collection status and multiple late payments. I have been working on repairing my credit for the past 3 years and have managed to pull my credit score to a 686. I currently have 1 CC with a $500 CL and I also have a car payment and a personal loan which I have paid religiously for the past 3 years. I was looking for a CC with a good reward program so decided to finally bite on the Discover it card. I apply online and to my surprise was approved instantly. I was prompt that I will receiving my card shortly but no CL was disclosed. It felt great to be approved as I have not applied nor have had a new CC in over 3 years. I am hopeful that I get a descent CL as I will be using this card for my daily expenses/shopping and paying the balance completely each month. The on
    One application was very user friendly and only took minutes to process. I will continue my quest to improve my credit report as I have learned the hard way that credit is very important and should be managed responsibly.

  27. Leslie January 11, 2014 at 3:37PM

    I’m really curious about this card. And I would really like someone to explain it to me. I want to open my credit but I’m not really sure on what to do or what I should do. So, if someone could help me a little explain this card to me. I got tje application through the mail.

  28. Micah January 6, 2014 at 9:53PM

    what happens if i got the wrong deal? Can I call them up or am i stuck with it? I just got approved for $4000 as of today. I really want the $150 promo.

  29. Courtney December 31, 2013 at 12:59PM

    My 70 year old grandma is wanting to get a credit card for when she travels but doesn’t use the internet how can we get her an application?

  30. Diane December 8, 2013 at 6:14PM

    I already have a “regular” discover card. Can I switch? Is it worth it?

    • paula December 26, 2013 at 8:30PM

      Yes, there is no credit check for existing customers looking to switch. You get 1% on everything and still keep your 5% on select things. No brainer! Do it today!

  31. Doris December 4, 2013 at 3:40PM

    My son has a Chase Business card (now out of business) that he has paid over $300 interest this year. Can he switch to Discover It with that balance? I understand there is 0 intro APR for 14 or 18 months. Is there a fee for switching the balance Chase card to your card? Is there so much that has to be paid right away for transferring? thanks

    • tony May 7, 2014 at 5:37PM

      Yes, you can do a balance transfer to your Discover card. There is a 3% fee for the transaction, but it’s worth it if you get the 18 months no interest, (which I got recently). You can even do it online when applying, which is very easy. I’ll save $2000 in interest charges over 18 months by doing my one balance transfer. Good luck.

    • CRuherf September 3, 2014 at 11:23AM

      There is a 3% transfer fee but sure beats paying the interest on the balance for 14 months!!

      I’ve been wanting to close one account I’ve had since college. Of course back then, I had no credit and very little money so I had a starting balance something like $500. Have since built it to $4500 but carry it at about 50%. I plan to close the account though because even though my AV continues to increase, I’m still paying an annual fee and a ridiculous interest rate.
      This was the perfect option to me. Gives me a chance to completely pay off the balance interest free (minus the 3% transfer fee, which was like $70 on about $2300 balance.

      My advice, Go For It!!

  32. Rachel November 24, 2013 at 8:11PM

    I just applied for this card, and it said I am approved and to watch for the card in the mail to activate it. Is it normal that I didn’t get a credit limit disclosed upfront?

    • Mary December 6, 2013 at 10:09AM

      I just did the same yesterday and got an instant approval..did you get your card? I thought that was odd?

    • paula December 26, 2013 at 8:30PM

      Yes, completely normal. You can call and ask them or just wait for your credit limit in the mail.

  33. Jay November 19, 2013 at 3:00PM

    I just got this card last month. I love it. & this is coming from a person who has 13 cards. Special benefit of this card is You can get a cash back at store when purchasing groceries And it still counts as purchase APR & its 0% for a year.

  34. Mary November 13, 2013 at 3:35PM

    I want to apply for Discover it card but my FICO is in the 639 range at eq 616 at tu and 628 at ex, I’m afraid of being turned down and them having a inquiry on my credit report. That will bring down the FICO. I completed a Chapter 13 100% repayment. Discharged in April this year. Should I wait a while longer before applying?

    • Jay November 19, 2013 at 2:57PM

      Yup, Likely it won’t get approved with 639 FICO..
      Should wait little longer.

  35. Nick Gallagher November 11, 2013 at 11:04PM

    I just applied today and got approved. This will actually be my first credit card as i’m only 20. I am very excited about this card and have heard nothing but good things about it. The rewards for such a cheap card is unreal. Beats the Guitar Center card in some ways. It would be nice to have 6 months no interest financing

  36. Jhonyy September 11, 2013 at 6:16AM

    I decided to apply for the discover it 2 days ago, filling the application was easy but after the submit button was clicked I got the 5-7 days waiting process message Which I perceived as a denial. So I decided to give them a call at the phone number provided on my screen that accompanied the message. Costumer Service was incredibly helpful, after asking me a simple questions they approved me. So Don’t let the 5-7 days message fool you!! There’s still chances!!!! Good Luck!!

  37. Hayley August 25, 2013 at 7:40AM

    I applied for the student discover it card so I’d be able to build up my credit. I have no credit and they approved me. The card has awesome deals… I can’t wait to use my card :)

  38. Jona Sanders July 30, 2013 at 11:00AM

    I would definitely recommend this card to anyone looking for a reliable good rewards card. I work for another credit card company and our rewards are anything but giving. That being said, I do take considerable consideration before I actually apply and use a card being that I deal with people every day who have taught me how to not use cards. I am happy to say that Discover is my daily card and has the best Customer Service I have ever experienced.

  39. Penny Collins July 17, 2013 at 6:44AM

    I have several other credit cards but I get credit card offers at least 2-3 times a week. The discover it credit card offer came every week so I decided to apply online yesterday, July 16th. After I applied online I was instantly approved and was able to setup my account online. I should receive my card in the mail shortly. I am looking forward to the 0% APR for 14 months. Of course I never max any of my cards and try my best to only use less than 30% of my credit line.

  40. angela July 11, 2013 at 1:08AM

    I just applied for this card and it said I would be notified in 5-7 days. I have a 7yr old bankruptcy on my credit and 100% on time payments. I couldn’t get a discover card when my score was 745 and now it’s 692. I hope they call me with questions. I’m staying hopeful. Does the wait mean no?

  41. Eddie L Smith July 2, 2013 at 11:17AM

    Credit card companies in the past have never been this consumer friendly, would love to try this card.

  42. Lamar June 22, 2013 at 9:26PM

    I am a college student and was looking for a good “Student Credit Card!” So I turned to here and started looking through some reviews. From the reviews I found that the “Discover IT Card” was my best choice! So, I applied and was instantly approved for 1500!

  43. kaitlyn May 17, 2013 at 3:39PM

    I received two invitation letters for the Discover it and the only reason I signed up was for the 0% APR on balance transfers for 14 months as featured above. I have the Southwest card through Chase and while I love my free flights I hate the interest! I applied online for this and was approved instantly with a higher credit limit than my 2 Chase credit cards, good move :)

  44. William May 16, 2013 at 10:21PM

    My Discover card repaired my iPhone 5 when I dropped it 2 days after purchase. And they refunded me the difference when 2 items I paid for on amazon went on sale within 90 days of purchase. Great purchase protection from Discover!

  45. Marlene May 6, 2013 at 12:57PM

    I have a Discover card cash back rewards card and have been a member since 1989. I have a high balance on my current discover card and have been trying to pay it down, but my APR is so high, that I make large monthly payments and it hardly comes down because my finance charge is so high. I have requested a reduction in my APR, which they approved, but they only reduced it very little and it is still not helping me get this balance reduced. I like the idea of setting your own payment date being that my due date is right at the beginning of the month when all my other bills are due and no late fee. One of the reasons our APR went up was because we were late on a payment well over a year or 2 ago. Being a member for so long, you would think they would help me out so I can try and get this paid down some, but they have not really been any help. Do you think it is worth transferring my current card over to an IT card? What would the benefit be for me?

    • Tamika May 15, 2013 at 11:00AM

      Yes, I got 0% APR and transferred my balance and I do see a difference. I also try and make an additional small payment on my account every month to also help bring down the balance.

    • mary jane May 19, 2013 at 6:37PM

      You wouldn’t be able to transfer a balance from one Discover card to another, but you could try applying for another type of credit card and transfer the balance to that card.

    • Vickie November 17, 2014 at 2:47PM

      I know calling your credit card company you can get them to lower your rates and even lower your credit limit if you are worried about over spending. My mom calls her credit cards annually and see if they are willing to lower her rates based on her years with them and her spending habits with the card.

  46. Jenn C. May 5, 2013 at 11:22PM

    I just applied online and they gave me the 5-7 days response however I’ve never had a credit card and have absolutely no credit, you think I stand a chance?

  47. frankie ball May 2, 2013 at 12:38PM

    How are they about increasing your credit limit?

    • Blacksnakemoan July 18, 2013 at 11:44AM

      They’re very good about increasing credit limits as long as you’re taking care of your credit. I was approved for my Discover More 13 months ago with a $3500 cl. They’ve consistently increased my line every three or six months and now my cl is up to $5750. I also converted it to the Discover It and it has great perks. Kinda late, but good luck.

  48. Chris March 12, 2013 at 2:14AM

    when you pay you balance with s debit card will you be charged a balance transfer fee?

  49. Donna March 11, 2013 at 2:26PM

    Thank you so much for this review! I was going to apply for a department store card, but I read reviews and realized it would be better to get a card with better benefits that I can use any where and still be able to make the same clothing purchases (at a lower interest rate.) I applied for the “Discover It” card today and I was approved instantly and they were really generous with the amount of credit given. (I was really surprised because I have been working on rebuilding my credit for a few years and I was just hoping to get approved for anything and not have the declination reported negatively on my credit report.) I won’t know the actual interest rate until two days from now according to customer service, but I was assured the interest rate would not exceed %19.99, which is still lower than the %24.99 rate the department store card was offering.

    • NoseyNeighbor September 9, 2014 at 2:08PM

      You won’t have to care about the interest rate if you stop buying stuff you can’t pay off in full when the bill comes.

  50. Brittany March 9, 2013 at 3:16PM

    I just applied for the Discover More card and was accepted, but now I’m reading up on it and everyone is saying it was replaced by the Discover It card, so does this mean Discover More doesn’t exist anymore? How can that be if I was just accepted and told I should receive one in 7-10 days?

    • Michael March 11, 2013 at 12:16PM

      You can still apply for the More by request, but they’re phasing it out and you don’t want it because the Discover It offers everything the More does, but with additional benefits and higher rewards.

  51. Robert February 2, 2013 at 5:24PM

    Hello. it is almost my birthday and I was thinking of applying for the Discover IT card. I have had my wells fargo credit card for 15 months and no late payments or missed payments with all payments on time. I don’t have a job, but my social security check adds up to 8 thousand and something a year. Would you say that if I tried to apply for it, there would be a good chance that I would get it? It would be a good birthday present to get if I did get it?

  52. Brandon Marshall January 30, 2013 at 7:45PM

    I work for a processing company. Discover charges the merchants less to take this card than my Amex, so I applied. Don’t have the best credit but I’ve been working hard for a few years now to recover. They told me 5-7 business days on the on-line app. Today a girl from the U.S. that I could actually understand (unlike my Capital One rewards card) called and said she needed to ask me a few questions. Easy enough to answer them, and then she told me I was approved. Expedited mailing me the new card too, oh the perks lol. If you can pay cash, then do so because the merchants pay a killing on these rewards cards. Those rewards aren’t free, the merchants pay for them for you. One of the reasons Target pushes their card so much, they have their own bank, Target National. If you pay with the Target card, they don’t pay an interchange fee to Amex, Discover, Visa, or MasterCard. Saves them like 4-6 million a year in processing fees.

  53. Em January 28, 2013 at 3:39PM

    I am too sure that the “unique design” is a better benefit, really. The Chase Sapphire Preferred card (which I have), as well as the United MileagePlus Club card already have the information on the back and they are both made of metal (then again, their annual fees are $95 and $395, respectively). Is the Discover It card made of anything else other than plastic? Also, I don’t see a lot of Discover cards around — where I work, I see maybe a card once-a-week, if even that — American Express is the king of preferred cards in my area.

    I do understand why it sounds appealing though, however, I think as of now, I will stick with my Visa Signatures and American Express cards.

  54. Juan January 27, 2013 at 12:54AM

    This card it’s wonderful, I just got approved for the IT card, I’m so excited that at my 22nd birthday discover has given the opportunity to join the club with a credit line of 7000 dollars. I highly recommend it

  55. amar January 18, 2013 at 9:17AM

    @Alex Cook , did you get a pre approved invitation mail from Discover ?

  56. Austin January 7, 2013 at 6:36PM

    No mention of the Capitol One Venture card.

  57. G Sanchez January 7, 2013 at 5:06PM

    Converting from Discover More to Discover it was done quickly and easily over the phone. The change takes effect at the beginning of your next billing period, although you still need to sign up for the rotating 5% categories. They send a new card design in the mail, but the rewards program is not determined by the card design, and the representative explained that even my old Discover More card design actually has the it rewards program, which I used in the meantime.

  58. Jackie January 2, 2013 at 8:41PM

    I just got this offer in the mail and applied online. I did not get approved for the APR that was on the offer. BUT, I did get approved at a higher APR!!! I am excited to finally get a card that offers cash back rewards. I’m happy that I can add Discover to my credit card family (small). I am through for the rest of this year.

  59. Betty Estes January 2, 2013 at 12:28PM

    I would like to get this card, I like the benefits it has to offer.

  60. pat minton January 2, 2013 at 11:35AM

    i have an active DISCOVER card…and have had it for years
    is the IT card the same?

    dp minton

    • Aaron January 8, 2013 at 9:36AM

      There are a variety of Discover cards out there. If you’re saying you’ve had the Discover More card for years, the IT card is not the same. Yes, it does have the 5% cash back program like the More card, but the cash back with the More card aside from the 5% cashback program was only 0.25% and with the IT card, it is at least 1% cashback on all purchases, and then 5% in select categories that change quarterly.

  61. Alex Cook December 30, 2012 at 1:53AM

    I just applied, my credit is not the best but I still got an invitation for it, now just wait and see.

    • Stephanie January 14, 2013 at 11:42AM

      Did you get accepted? I also got an invitation for it but I don’t have the best credit. I applied online and it says I will get a response 5-7 days. I’m assuming that means I didn’t get approved.

      • Roxanne January 29, 2013 at 5:31AM


        Don’t assume that you won’t be approved… I received the same 5-7 day message yet then received a phone call a few days later. Long story short, after answering some questions… I now have the card in my wallet! It is a blessing as I hadn’t had a credit card in several years.

  62. monika w. burmann December 28, 2012 at 5:15PM

    Yes, I would be interested in the it card, and to discontinue my old Discover card. Can I do that?

    • Brandon January 5, 2013 at 4:33PM

      You call customer service and tell them you want it converted. By the start of the new cycle youll have the new card. you keep the same account number and everything!

  63. Robin Cook December 26, 2012 at 7:24PM

    I hope I can get this card! I have 2 other credit cards

    • Alex Cook December 30, 2012 at 1:53AM

      I have 4 others but hopefully I will get this Discover card.

      • Arm March 19, 2014 at 8:58PM

        Well, the truth is the $150 bonus offer is a bait and switch. I have just applied and after submitting the application the verdict was you do not qualify for this offer but you qualify for the regular Discover It with all other cash back options. I laughed at that and declined their counteroffer. What is this a negotiation at the flea market?
        They have sent a personalized offer and now they are backing out of it? This is my second disappointment with Discover and that is why we have canceled my wife’s first one and I’m going to cancel my first one two. They have lost me as a customer. We have plenty of other better Cards Citi thank you network for one. The whole point for applying was the $150 bonus. Don’t waste your time. And if Discover is reading this ” don’t cheat your potential customers”.

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