The Discover it card is Discover’s game changer cash back credit card. It has many of the great features of Chase, Capital One, and Citi. If you have had a Discover card before, then you may already know that they have decided to scrap all of their other rewards cards, like the Discover More card, and are just going with this one card. This shows how much muscle they want to put behind this card. Let’s start digging around in this Discover it® card review.
Discover it® Card Rewards
With any credit card, we all want to know what type of rewards are going to be offered. The Discover it® card is all about offering cash back. As with some other cards, Discover has created a rotating category list for their big cash back offers. Their rotating list changes every quarter and you have to sign up each quarter for the rewards.
- Get 1% cash back on all purchases that are not on the rotating list.
- You can use your cash back rewards during checkout on Amazon.com (Not many offer this reward!)
- 5% cash back categories change every quarter and you can easily sign up in your account.
- Get your free FICO score on your online or paper statement each month. You will always know where your credit stands. I love this feature and use it each month on my Upromise Mastercard account.
Discover it® Card Features
One of the best features of the Discover it® card is the no annual fee. That means you can earn rewards and not have to pay to use the card. Cards with annual fees can be good, but they have to have great rewards. One of the cards in this category is the Barclaycard Arrival World Mastercard. It has one version with an annual fee, but if you use the card a lot, then the annual fee will be covered.
Speaking of fees, the Discover it® card has very few. You can pay your balance up to midnight of the day it is due. You also get one late payment fee waived. There are also no overlimit fees or foreign transaction fees, which can be huge for international travelers.
Discover is now offering a new features on the it card and that is each member gets their FICO credit score for free on their monthly statement. The Discover it® card and the Barclaycard Arrival World Mastercard are two cards that now offer this service. This means you get to see your credit score every month. It can help you see where you are at without having to pay for a service. I recently got this on my card and am happy to see the score.
Another selling point of the Discover it® card is that their customer service is 100% US based. Many consumers have asked for this for their other cards, but Discover has made it a point. Not only are the agents US based, but they are also available at any time. You get to reach an agent quickly and at any time, 24 hours a day!
If you are looking for a great cash back card, then the Discover it® card should be in your wallet or purse. Discover has made sure to try hard to differentiate themselves from other cards. They have a wide range of features that will keep you happy and earning more and more cash back on all of your purchases.
Here are the full list of features along with current rates and promotions for the Discover it® card. Check the features and you can hit apply to head over to Discover.
Have you thought about trying the Discover it® card as your cash back credit card? Do you have the Discover it® card? Just let me know below! I hope my Discover it® card review helped you make an informed decision.
Remember, you should only apply for credit cards if you understand how to use them properly. Rewards credit cards are no good if you are paying interest. They need to be paid off each month, just like any other credit card. If you can’t control your spending, then credit cards might not be for you. I used to be in a large amount of credit card debt, but understand that credit cards are just tools.