Discover it® Card


This featured offer was noticed by Finance Globe staff to be unique and offer special benefit to cardholders.
  • We'll match all the cash back you earn at the end of your first year, automatically.*
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Your cash back never expires. Redeem your rewards for any amount, any time. 
  • No annual fee.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0 N/A* N/A* 11.24% - 23.24% Variable Cash Back


Quick Summary:
This is a cash back rewards card issued by Discover Card. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 14.24%* and may be as high as 25.24%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 689 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Discover Card product.

Other Basics:
The grace period listed for the Discover it® Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.



Approval Rate:
There were 13 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 85% of those applicants were approved.

The approval rate for this card is high. Furthermore, if your FICO score is close to or higher than 689, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 10 users recommend this card.

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