Discover it®

The following table shows the features, rates, and other key data for the Discover it® offer in Discover offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 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.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 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.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
711
average
676
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0% for 14 months 0% for 14 months 10.99% - 22.99% Variable* $0 Excellent Credit*
Intro APR Purchases 0% for 14 months*
Intro APR Balance Transfer 0% for 14 months*
Regular APR 10.99% - 22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Credit Score Needed

Discover it® is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Discover offers.

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Discover it® for complete terms, conditions, and details of the offer.