Discover it®

by Discover

• Get a $100 Amazon.com Gift Card* after you make your first purchase within 3 months of approval.
• Earn cash rewards you can spend at Amazon.com. $1 Cashback Bonus = $1 at Amazon.com.
• 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up.*
• 1% cash back on all other purchases.
• Free FICO® Credit Score online and on monthly statements.*
• No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*

Product Description

The information shown on this page is provided by the financial institution and is believed to be accurate at the time of posting (August 31, 2014). Please click "Apply Now" above to see the most up to date terms and conditions.

Annual Percentage Rate
Purchase APR	10.99% - 22.99% (Variable)*
Balance Transfer APR	10.99% - 22.99% (Variable)*
Cash Advance APR	24.99% (Variable)*
Penalty APR	None
Overdraft APR	N/A
Fees
Annual Fee	None
Balance Transfer Fee	3% of the amount of each transfer.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee	None
Late Payment Fee	None the first time you pay late. After that, up to $35.
Return Payment Fee	Up to $35.
Over-the-Credit-Limit fee	None
Other Information
Rewards Type	Cash Back
Issuer	Discover
Network	Discover
Minimum Credit Quality (What's This)	Excellent

Most Helpful Customer Reviews

946 of 984 people found the following review helpful

1.0 out of 5 stars Beware, you don't get the 75$ gift card, it's as simple as that January 1, 2014

By Cagri Kaan Yildirim

I don't tend to write negative reviews, but when I sense that the company I'm doing business thinks they can deceive people with their false advertisement, I feel it a public responsibility to let everyone know. This miserable trend of assuming the customer is dumb must be wiped off the planet. I wish I could talk about the quite helpful features of the card, but this one deceit multiplies all my experience with 0. I'm copying the exact statement above that led me to believe that I will be getting the gift card so you can judge for yourself (on the legalese fine print that generally contains the statements that protect the company, not the customer):

"Get a $75 Amazon.com Gift Card when you are approved for a Discover it card and make your first purchase within 3 months of approval. Offer only available to new cardmembers. Offer not available to college students. Gift card will be sent within 8 weeks after first purchase. One gift card per account."

And this is what I was told by the customer representative after 8 weeks: I'm sorry, but you were not approved for that offer, here's your lame 0 apr purchases for some months instead. I'm not sure what "offer" he was talking about, but this statement above directly says I should be getting the gift card once I'm approved for a Discover It card, and let me check my wallet, yeah I've got a Discover It card, but no gift card. So it's just another classic bait-and-switch.

In short, unless you don't mind being deceived, stay away from this card. I don't get cheated twice, so I'm closing mine.

P.S. I'm not a student, and yes, I did apply to this card through this offer and used this card to purchase within 3 months (I read terms)

608 of 632 people found the following review helpful

3.0 out of 5 stars Good card with good rewards but beware of the welcome offer November 30, 2013

By MyPenName

5% cashback on so many things I somehow manage to max out the card every month. Their website is good and accessible. No complaints on the card itself or the service.

That $75 Amazon.com gift card offer, however, is kind of a ripoff. I sent them a message as I hadn't received it after three months and I was told I wouldn't get it because "with your initial application you did not qualify, so you were given an alternative offer and that was accepted". I don't really remember how it happened but I'm pretty sure at no point I was told I would not qualify for the gift card should I accept their offer.

EDIT: reading the comments, I feel I need to clarify what happened. I applied online, through the Amazon.com website clearly advertising the $75 gift card offer. Within seconds of submitting my application, I was redirected to a page telling me I could get the card but the interest rate would be higher than previously shown. Since I pay off my balance in full every month I didn't make much of it and agreed to the "new terms". I didn't know this would disqualify me for the $75 gift card.

414 of 440 people found the following review helpful

1.0 out of 5 stars Included with this card: frustration and lies April 23, 2014

By Caroline

I never thought that having a credit card could be such a hassle, but I will have to thank Discover for that.
Cons:
1. Automatic payments do NOT always process automatically- I received a late fee notice while enrolled in automatic payments, only to be assured after speaking to a representative that it was just a "glitch."
2. If you make the mistake of paying your balance twice accidentally, scared that the automatic payments will have a "glitch"(but do not and you make a duplicate payment), do NOT expect to see that refund any time soon (or at all). I've spent the past 4 months waiting to get reimbursed by check (not sure why they won't just give me a credit to my account) and get promised every time I call that it is on it's way...
3. Do NOT expect to get the $75 gift card incentive (see the reviews of others who have been taken advantage of this company).

Pros:
They will except you if you don't have any credit. I wonder why...

I am very punctual, organized, and like being in control over my finances and this card has been more stressful than anything. I would ABSOLUTELY NOT RECOMMEND THIS CARD to anyone. I spent a good time writing this for your benefit, so that you don't waste your valuable time and money by trusting this company.

292 of 309 people found the following review helpful

1.0 out of 5 stars This is FRAUD December 29, 2013

By HK

I applied for this card and got approved but after 1 month Discover card customer care person told me that there is no $75 promotion and it will not be given. I straight away asked her to close my account. DONT WASTE YOUR TIME on this card.

Didn't even want to give 1 rating.

417 of 463 people found the following review helpful

1.0 out of 5 stars an unmatched customer service for a company with the best customer service like AMAZON July 3, 2013

By Hoda Salek

Last year I was making a purchase from Amazon and I noticed the Discover promotion:" if you open an account and make a purchase with your Discover card, we send you $50 Amazon gift card." I already have the Amazon store card and and I really didn't need another card but unfortunately greed and the sound of a gift card to my favorite store made me open an account and I made a purchase. I never received the gift card so I emailed them. First they said they had to verify the purchase. 6 weeks later I asked again, I received a letter in the mail confirming the purchase!! and notifying me to look for the gift card in the mail!!! in 4 to 6 weeks. Never got it. Unfortunately I am not the kind of person to let go easily even though $50 is not worth the aggravation. So I contacted them again and they said amazon is responsible for the promotion. I told them Amazon would have sent the gift right away, besides why would the most popular company in the world need to join Discover card that is not even accepted in most places, to help its business. The last email I got from them was a rude and very sarcastic email. That account is closed off course.. It was my own fault to get greedy over $50 and get another credit card that I never needed.