Discover it Card – Should You Pick it?


What We Like About The Discover it Card

  • 5% Cash Back on Rotating Categories
  • 1% Cash Back on all Purchases
  • Free FICO Score Updated Monthly
  • Cash Back Match for All First Year Rewards
  • Simple To Use Credit Card Freeze
  • Custom Color Card Choices
  • 0% Introductory Interest Rate
  • No Annual Fee

What We Don’t Like About The Discover it Card

  • Not All Consumers Prefer Rotating Categories
  • 3-5% Charge For Balance Transfers
The Discover it Card
Discover it Card Comes In Multiple Color Choices

Features and Benefits

The Discover it Card is a cashback rewards card.  As mentioned above, consumers earn 1% cash back on all purchases plus 5% cash back on rotating categories.  Categories are updated quarterly and include options like:

  • Gas Purchases
  • Retail Stores
  • Grocery Stores
  • Dining Purchases
  • Amazon Shopping

The category options for the Discover it Card have been historically very good options.  The downside is that you will need to be aware of your current category to maximize your rewards.  For customers who carry more than one rewards card, this may be a hassle.  There are other reward card options that provide more than 1% on all purchases and some consumers may prefer the ease that comes without categories.

One of the best features of the Discover it Card is the first year cashback match.  The offer is simple.  All cash rewards you earn in the first year on your card will be doubled.  This will result in an effective cash back rate of 2% on all purchases and 10% on your rotating category purchases.

Another extremely popular feature of the it Card is the free FICO Score.  Customers can track their credit score over time and your score is updated monthly at no cost.

What People Are Saying About This Credit Card

The Discover it Card has a 4.8/5 star review based on over 27,000 reviews.  Customers are very happy with the reward structure and the stellar customer service.  As a side note, all Discover Customer Service Reps are US based.  Some common review sentiments include:

“Excellent benefits, great customer service.” – Jen

“Accurate on account Americans answers phone” – Bear

“One of my favorite cards, love the cash back!” – Mande

“Introductory Offers Better Than VISA & MasterCard” – Insurance Consultant

The most common complaint about this card is high interest rates.  It is important to point out that the interest rate with this credit card is very in line with industry average.  The Discover it interest rate is 14.24% to 25.24%.  The low end of this rate is actually quite lower than many comparable credit cards.

Check Out Other Reward Card Options!

New Card Introductory Offer – Balance Transfers and Zero Percent Rate

Another big feature of the Discover it Card is the introductory zero percent interest rate.  This rate is available to new cardholders for 14 months and applies to both new purchases and balance transfers.  Balance transfers will be subject to a 3% fee during this intro period and then a 5% transfer fee thereafter.  Transferring your high interest credit card balances to a zero percent option like the Discover it can be a great way to avoid paying high interest rates.

Discover Pick it Invitation Offer

Discover provides consumers invitation offers for this credit card.  Potential applicants are directed to the Discover Pick it invitation page where they will find the following form:

Pick it Invitation Offer
Discover Pick it Invitation Form

The above form will be completed in order to access your application.  Customers will need to provide their full invitation number in order to access the online application.  If you have been pre-approved for the card you will still need to complete the full credit application.  Credit approval decisions are typically provided within seconds after submitting your application.

Additional Credit Card Features

  1. Use Rewards Directly With Amazon – Customers can easily redeem their cashback rewards for purchases.
  2. Discover Identity Alerts – This feature comes at no additional cost and provides daily credit monitoring.  This includes changes to your credit report with Experian or notice of your information on the Dark Web.
  3. Discover Freeze it – Customers can select the Freeze it option to instantly freeze your account if your card is lost of stolen.  Your account and be unfrozen immediately if your card is found safe.

Final Thoughts

Overall, the Discover it Card is a great option for cashback rewards.  This card will especially appeal to customers who want great credit tracking and credit monitoring services.  If you do not like rotating categories, there may be better options but the categories are generally great options for consumers to cash in on big rewards.  Additionally, first year customers will be able to cash in for double their rewards with the cashback match program.  With no annual fee this card is a great reward cards for customers who are not interested in paying for their credit card each year.

Let us know what you think about the Discover it Card in the comments below.  Do you have a no annual fee rewards card you prefer to this card?

Discover Customer Service Contact Number: 1 (800) 347-2683


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