Discover It

welcome offer

Earn $50 after approved for the card. Intro 0% APR for 14 months on purchases and balance transfers.

Bonus Cash Value

Approximately $50*

Annual Fee

$0

Card Rewards

Earn 5% cashback bonus at different places each quarter

Earn 1% cashback everywhere else

All cashback earned the first year is matched

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Discover It is a fairly easy credit card to get approved. Great US-based customer service. Plus, all cash back earned the first year will be matched!

Card-Smart Tips & Advice
  • New credit ok
  • You can only have a total of 2 Discover credit cards
  • Discover will not approve you for more than 1 credit card within every 12 months
  • Discover will usually pull your Experian credit report. If you freeze your Experian credit report then Discover will be glad to pull from either TransUnion or Equifax.
  • You can check your application status  here  or call 1 800 347 2683
  • No reconsideration line
Balance Transfer Terms
  • Balance transfer fee: 3%
  • You cannot transfer balances from other credit cards issued by Discover
  • To receive the Intro APR Offer, transfers must be completed within the first approx 60 days of account opening (Discover will give you the exact date on the cardmembers terms and conditions
  • No penalty APR
Card Details And Benefits
  • No Foreign Transaction Fee

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.