What is the Discover it card?

The Discover it card is a cash back credit card from Discover that offers cardholders no fees – no annual fee, no foreign transaction fee, no fee for a late payment, no pay-by-phone fee, and no over-the-limit fee – plus the opportunity to get cash back on every dollar spent. It offers user-friendly features that make it easy for cardholders to manage their accounts and get the most from the rewards program, including a new concierge service to help them sift through cash back rewards.

Discover it offers a generous 14-month introductory 0% on purchases and balance transfers, 5% cash back in rotating categories, and the chance to earn even more cash back through the ShopDiscover online rewards shopping portal.

What kinds of rewards does the Discover it card offer?

Cardholders get 1% cash back on all purchases and 5% cash back in rotating categories. Every three months customers have a chance to sign up for a new 5% bonus cash back category – things like restaurants, movies, department stores, gas stations and online shopping. Get up to $75 cash back (5% on up to $1,500) on purchases every three months. Just be sure to sign up each time since enrollment is not automatic.

How do the 5% cash back rotating categories work?

Each quarter, customers get the chance to sign up for a new category of cash back rewards that will earn 5% of the purchase price. This could be anything from gas stations in the summer, when many people take road trips, to department stores and online shopping during the holiday season.

Sign up for the bonus cash back online, by phone, or even by text message, and you will be ready to start saving. The sign up period usually begins one month before the earning period begins, so you can strategically plan your spending to get the most from your cash back bonus.

The 5% cash back offer is limited to $75, or 5% on the first $1,500 you spend in the bonus category. After that, you will continue to earn 1% cash back on all your spending in all categories.

What is the ShopDiscover online mall?

The ShopDiscover online mall lets cardholders shop at hundreds of retailers and earns 5% to 20% cash back all year. There is no limit to how much cash back you can earn through the ShopDiscover online shopping portal, and retailers include:

  • Apple Store – 5% cash back
  • Brookstone – 10% cash back
  • Dell – 10% cash back
  • Drugstore.com – 10% cash back
  • FTD.com – 20% cash back
  • Gap – 5% cash back
  • Shoes.com – 15% cash back

There are over 200 retailers in the ShopDiscover mall, offering plenty of opportunities to maximize your cash back bonus.

What fees does the Discover it card have?

The Discover it card has no annual fee, no foreign transaction fee, no over-the-limit fee, and no fee for the first late payment.

After one late payment, you will be charged up to $35 for a late payment. Other fees include:

  • Cash advance fee: $10 or 5% of the amount, whichever is greater
  • Balance transfer fee: 3% of the balance transferred
  • Minimum interest charge: 50 cents
  • Returned check fee: $35

Can I use my Discover it card internationally?

Yes, you can use the Discover card overseas. Discover cards are accepted at over eight million merchants worldwide, including major retailers in countries across the globe. Even better, Discover it has no foreign transaction fee, meaning you will save between 1% and 3% on average on every transaction in a foreign country.

Can I get rewards other than cash with my Discover cash back bonus?

Even though it is called a cash back bonus, Discover’s reward program is much more than just cash back. You can also redeem your rewards for statement credits, merchandise, gift cards or charitable donations.

Discover’s cash back concierge service helps you make the most of your cash back bonus. Contact the cash back concierge for help understanding your redemption options. Just go to the online account center to get advice about redeeming your cash back bonus to make the most of your rewards.

Can I transfer a balance to the Discover it card?

The Discover it card is an excellent option if you are looking to transfer a balance. It offers a generous 14-month introductory period with a 0% APR, so you pay no interest for over a year.

There is a balance transfer fee with this card. You will be charged 3% of each balance – so a balance transfer of $5,000 will cost $150. The savings from paying no interest will often make this well worth paying the balance transfer fee.

How is the Discover it card different from other credit cards?

Discover it gives good cash back reward value for minimal fees. Many rewards credit cards charge an annual fee, but Discover it does not. It also does not charge for going over your credit limit or for paying late the first time. They will not charge a penalty APR for paying late as many other cards do. No fees for most transactions, great cash back rewards with flexible redemption options, and friendly customer service separate this card from the rest.

Does my cash back bonus ever expire?

As long as your account is in good standing, your cash back bonus will never expire. If you default on your account agreement – making consistent late payments or not paying at all for example – your cash back bonus may be revoked.

If you are in danger of defaulting on your account and losing your cash back rewards, call Discover’s resolution center to get help. Their hardship experts can work with you to help you get back on track and keep you from violating the terms of your cardmember agreement.

Is there a limit to how much cash back I can earn with Discover it?

There is no limit to how much cash back you can earn on your Discover it card. While 5% cash back categories are limited to the first $1500 you spend, or $75 per quarter, the 1% cash back on all purchases will never hit a ceiling.

Shopping through the ShopDiscover portal also offers unlimited rewards. You can keep earning 5% to 20% back on every purchase through ShopDiscover and maximize your cash back rewards.

Who do I contact with questions about my Discover it account?

You can write an email through the secure Discover account center anytime, day or night. Just log into your account online and look for the option to send a message. Or call 1-800 DISCOVER (1-800-347-2683) in the United States or 1-801-902-3100 outside the U.S. Both numbers provide customer service in English and Spanish 24 hours a day, 7 days a week.

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