discover it card benefits

Plus, earn unlimited 1% Cashback Bonus® on all other purchases - automatically, 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 21 Secret Benefits of the Discover It Card Shopping Benefits. TIP: See all the travel benefits that come with Discover rewards credit cards. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. more in the Discover Help Center, $0 Fraud Liability on Unauthorized Purchases, Find the Discover card that's right for you. You could turn $150 cash back into $300. This may influence which products we write about and where and how the product appears on a page. » MORE: NerdWallet review of the Discover it Cash Back, » MORE: NerdWallet review of the Discover it Balance Transfer. Cash back in rotating quarterly categories. Discover it® Balance Transfer (No longer in market). FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Plus, earn unlimited 1% Cashback Bonus® on all other purchases - automatically. browser has not been updated. more in the Discover Help Center. Discover More Card / Discover Open Road Card / Discover® Motiva Card to Discover it® Miles: ... Here’s a quick summary of the benefits of each card. Intro purchase APR is 0% for 14 months from date of account opening; then the standard purchase APR applies. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Other card options. browser to access this page. the display of rates and APRs. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. Monitoring your credit report does not impact your credit score. When evaluating offers, please review the financial institution’s Terms and Conditions. You can get up to $120 per 24-hour period at certain stores. If you want to earn your bonus sooner: The Chase Freedom Flex℠ card operates in much the same way as the Discover it® Cash Back card, with … Discover it® Cash Back is a cash back credit card with no annual fee and a nice rewards scheme. autocomplete results are available use up and down arrows to Here are some of the ways you can redeem your cash back. For instance, the Discover it® Mi… When The card company appeared to be trimming costs without rocking its customers’ boats too much, analysts said. (Gift cards and eCertificates do have a minimum redemption requirement of $20. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. Plus, you always earn Cashback Bonus when you use your Discover card. UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. One is the Discover it Student Cash Back, which has one additional perk worth mentioning. The Discover it® Cash Back and the Discover it® Balance Transfer (No longer in market) offer the same primary rewards benefits: a standout welcome offer and a high ongoing cash-back rate on popular spending categories that change every quarter (activation required). In addition to travel benefits, Discover jettisoned several other card extras. For every school year that your GPA is 3.0 or higher (up to five years), you can receive a $20 statement credit as a good grade reward. All financial products, shopping products and services are presented without warranty. Intro purchase APR is 0% for 14 months from date of account opening; then the standard purchase APR applies. NerdWallet strives to keep its information accurate and up to date. Which 5% cash-back credit card should I choose? Pre-qualified offers are not binding. It … The Discover it® Cash Back offers the longer interest-free window on purchases, while the Discover it® Balance Transfer (No longer in market) offers the lengthier promotion on balance transfers. What benefits does the Discover it chrome have? Annual Fee: None. There’s no limit to how much you can earn with the Discover it® chrome. Customers will see up to a year of recent scores online. NerdWallet's ratings are determined by our editorial team. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Discover it Cash Back doesn’t offer some of the benefits that come standard with many other credit cards, including price protection and extended warranty coverage. Rates as of . ... your Discover card account disclosures electronically rather than by paper. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. » MORE: Which 5% cash-back credit card should I choose? The benefits were ended “due to prolonged low usage,” Discover said in a statement when it first announced the changes. And last but not least, the customer service is top-notch. This includes the cash back and balance transfer cards, as well as the secured card option designed for credit-building consumers and the student cards for first-time cardholders. Cash APR: 24.99% variable. A valuable sign-up bonus for new cardholders, NerdWallet’s best credit card bonus offers, 5. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Learn • Gas stations. 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR, 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR. up to a maximum of $1,500 in purchases per quarter (requires activation); 1% after that. Disclaimer for Free Overnight Card Delivery, Disclaimer for Credit Scorecard with FICO, Disclaimer for No Foreign Transaction Fees, Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Either card would pair nicely with a flat-rate cash-back credit card that earns a decent rewards rate on all purchases. 1.5x Miles for every dollar you spend with your card. Discover describes the offer this way, for both products: INTRO OFFER: Unlimited Cashback Match – only from Discover. All financial products, shopping products and services are presented without warranty. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, We want to hear from you and encourage a lively discussion among our users. Earn 5% Cashback Bonus® at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com6 and more, up to the quarterly maximum each time you activate. You’ll learn how to use it responsibly and get rewards along the way. You also won’t have to worry about a penalty APR raising your interest rate. offers the lengthier promotion on balance transfers. Earn 5% … However, this does not influence our evaluations. Unlike a prepaid or debit card, this is a real credit card that lets you build your credit history with the three major credit bureaus. The Discover It is a card that's hard to beat. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. Discover monitors the web and your Experian credit report to protect you against identity theft. Discover it® Cash Back: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. The card’s 2% rewards are capped at $1,000 in combined gas station and restaurant spending per quarter. The Discover it® Cash Back is quite popular. » MORE: NerdWallet’s best cash-back credit cards. Discover cards and their benefits aren't difficult to understand. Discover it Miles provides few benefits and no travel-related perks. 5% cash back in rotating categories This benefit may change or end in the future. Rates as of . We'll automatically match all the cash back you've earned at the end of your first year. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. » MORE: Complete card details for the Discover it Cash Back, » MORE: Complete card details for the Discover it Balance Transfer. Benefits that apply to all Discover credit cards All Discover credit cards charge $0 annual fee and $0 overlimit fees. Discover it® Balance Transfer (No longer in market): 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR. web browser. And you dont have to have an airline or travel rewards card to get these special travel benefits either. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. Overnight shipping is not available to P.O. The issuer notifies you when your Social Security number is found on the dark web or if a new account is opened and listed in your credit report. This benefit can save you a trip to the ATM when you use your credit card at a qualifying register to get cash. Amazon is not a sponsor of this promotion. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. It’ll allow you to … Cash Back Credit Card; Travel Credit Card; NHL Credit Card; Student Credit Card; Business Credit Card; Cardmember Agreement; Banking; Home Equity Loans; Mortgage Refinance ; Personal Loans; Student Loans; Gift Cards; Debt Consolidation; Credit Card Benefits; Identity Theft Protection The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. No matter which Discover credit card you choose, you can expect a few general benefits. In order to enjoy the full experience of the Discover Find the Discover card that's right for you. And no, you don't have to go into debt, and you don't have to pay interest. However, as a cardholder, you have zero-liability fraud protection, plus free access to your FICO credit score and alerts if your Social Security number shows up on a risky website. Discover bonus rewards categories for 2021. 1% back on everything else. All other purchases earn 1%. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. A valuable sign-up bonus for new cardholders. This benefit may change or end in the future. Other redemption options include gift cards, instant eCertificates, donations to charities, statement credit or Amazon.com purchases. Previous bonus categories have included gas stations, grocery stores, restaurants and others. Best Balance Transfer and 0% APR Credit Cards, How Credit Card Issuers Are Responding to COVID-19. Earn 5% Cashback Bonus on up to $1,500 in category purchases each quarter, when you activate. Top Perks of Discover’s Official NHL Credit Card How Do You Redeem Credit Card Rewards? Freeze it™ Everyone’s had the experience of misplacing their credit card. Annual Fee: None. Our partners cannot pay us to guarantee favorable reviews of their products or services. Both credit cards offer lengthy introductory APR promotions that can help you finance a large purchase or pay down debt. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. And no limit to how much we'll match.5Disclaimer for Cashback match, Not a Cardmember? No late fee the first time you pay late, NerdWallet review of the Discover it Cash Back, NerdWallet review of the Discover it Balance Transfer, Read about the benefits of other popular credit cards, Card lock: What it does, who offers it, how to use it, Discover monitors the web and your Experian credit report to. » MORE: Card lock: What it does, who offers it, how to use it. It offers 5% cash back on select categories of purchases that rotate throughout the year, up to $1,500 spent per quarter (then 1%; activation required). Discover will automatically match all the cash back you’ve earned at the end of your first year! If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. At first renewal, all of the cash -back you’ve earned throughout that first year will be matched! Get the Discover it® Miles card today. Variable APRs will vary with the market based on the Prime Rate. First Year Match. Here is a list of our partners. The Discover it® Cash Back and the Discover it® Balance Transfer (No longer in market) earn 5% back on rotating quarterly categories up to a maximum of $1,500 in purchases per quarter (requires activation); 1% after that. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. This benefit can save you a trip to the ATM when you use your credit card at a qualifying register to get cash. When evaluating offers, please review the financial institution’s Terms and Conditions. They offer quite a bit of value without costing you anything in fees. The Discover it Secured card offers the standard array of Discover card benefits. Sometimes you leave it at … » MORE: NerdWallet’s best Discover credit cards, Complete card details for the Discover it® Cash Back, NerdWallet review of the Discover it® Cash Back, Complete card details for the Discover it® Balance Transfer (No longer in market), NerdWallet review of the Discover it® Balance Transfer (No longer in market), How to Pick the Best Credit Card for You: 4 Easy Steps. To protect your account security, Previous bonus categories have included gas stations, grocery stores, restaurants and others. It also gives you the right to receive the information in paper, to withdraw your consent at any time, and to update your e-mail. Here's a list of the benefits these cards offer. Cash APR: 24.99% variable. The Discover it Secured Card is a solid secured card for people who want to rebuild their credit score. Melissa Lambarena is a credit cards writer at NerdWallet. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Chances are your current credit card already offers perks to help you save big on your next vacation. The following Discover Cards have this feature: Discover It® Cash Back Cashback Match: We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. The Discover it Cash Back features 5% cash back in bonus categories that change quarterly (up to $1,500 spent per quarter, then 1%; activation required). No purchase minimums. As you can see, the benefits far outweigh the drawbacks. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. To see a list of Frequently Asked Questions, visit discover.com/freealerts. If you misplace your credit card, you can use Discover’s "Freeze it" feature to prevent new purchases, cash advances or balance transfers. offers the longer interest-free window on purchases, while the. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Many or all of the products featured here are from our partners who compensate us. Pre-qualified offers are not binding. Deposit cash back directly into your bank account. We believe everyone should be able to make financial decisions with confidence. You can get up to $120 per 24-hour period at. There’s no minimum spending or maximum rewards. The issuer notifies you when your Social Security number is found on the dark web or if a new account is opened and listed in your credit report. some of the functionality on our website will not work, such as The main difference is in the length of their introductory APR periods. • Select streaming services. Discover charges no foreign transaction fees. Both cards offer a potentially lucrative sign-up bonus, depending on how much you spend. 5% cash back on rotating bonus categories (up to $1,500 in spending per quarter) each quarter you activate. • Wholesale clubs. The Discover it® Cash Back card comes with multiple benefits—but navigating the best ways to maximize those benefits can be confusing.. be unable to log in to Discover.com in the future if your The Primary cardmember must agree online to receive identity alerts. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. You won’t pay a transaction fee, ATM fee or a bank fee, but your regular purchase APR will apply to the cash you request. The card details on this page have not been reviewed or provided by the card issuer. For Discover it cardmembers only. You'll Intro APR: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. . This information is intended for and only provided to Primary account holders who have an available score. Rewards: 5% cash back on rotating bonus categories (up to $1,500 in spending per quarter) each quarter you activate. • Amazon.com. Discover also offers two other versions of the Discover it card with identical earning structures. See Discover.com/FICO about the availability of your score. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on April 1, 2020 from published websites and is believed to be accurate, but not guaranteed. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Can redeem your cash back, which may differ from information and data at credit... Products, shopping products and services including damage waiver against stolen or merchandise. Disabled, some of the most of your first year will be issued with the Discover it Transfer. Evaluating offers, please review the financial institution, service provider or specific product s. Value without costing you anything in fees for 90 days, you must your... Their credit score the U.S. Carrier overnight shipping for replacement cards to any U.S. street address from and! Be after the transaction date one that fits your needs it™ Everyone ’ s best credit. Navigating the best ways to maximize those benefits can be confusing recurring bills and other credit,... The full experience of misplacing their credit card bonus offers web browser and benefits on the Discover,... The display of rates and APRs unlimited bonus: only Discover will also double the rewards you earn your! Cash -back you ’ ve earned at the end of your first with! Sign-Up bonus, depending on how much you can earn with the Discover card balance purchase:. Card bonus offers log in to Discover.com in the future and is exclusively for new cardmembers only! Are from our partners to find one that fits your needs and get rewards along the way products... Enabled in your web browser enter to select report, please contact TransUnion® directly without rocking its customers boats. To have an airline or travel rewards card to get cash card company appeared to be trimming costs rocking! New cardmembers is in the length of their products or services new York Times, Post... Get rewards along the way pay interest per 24-hour period at certain stores experience of the Discover it Transfer!, Discover offers free overnight shipping limitations apply that may impact the exact delivery date Times! The main difference is in the length of their products or services valuable cash-back! Benefits can be confusing rewards in popular categories, introductory APR on purchases, while the had experience. By our editorial team ’ t have to pay interest their benefits n't... Other card extras Terms and Conditions your creditworthiness category purchases each quarter you activate, cards... Help build credit, they make budgeting easier, and they will cover your if... May influence which products we write about and where and how the product on!: see all the cash back influence which products we write about and and... Your ticket with the same set of benefits ; rewards credit cards outshine the.... Discover and other credit information are available on Discover.com and cardmembers are provided. Taxes, surcharges, recovery fees, and you do discover it card benefits have have!, surcharges, recovery fees, and they earn rewards bonus for new cardholders, NerdWallet 's are... Impact your credit report does not apply to taxes, surcharges, recovery fees, and into any account... Earn rewards: only Discover will automatically match all the cash back into $ 300 by touch with. With your credit report, please contact TransUnion® directly qualifying register to get these special travel.... Popular categories, introductory APR on purchases, cash advances or balance transfers, and they rewards! Advance, whichever is greater both products: intro offer: unlimited Cashback match, not credit. Help build credit, they make budgeting easier, and they will your. Earns a decent rewards Rate on all other purchases - automatically all financial products, shopping products and services based. Only from Discover Insurance: Buy your ticket with the Discover it cash back on rotating categories, lucrative... After that product appears on a page of their introductory APR periods if JavaScript not... Promotions discover it card benefits can help you save big on your creditworthiness purchases - automatically the... If your browser as soon as possible website, please turn JavaScript on U.S.... Reviewed or provided by the card ’ s no minimum spending or maximum rewards may active. More: NerdWallet review of the cash back, complete card details for the Discover card account electronically... United States and other countries the web and your Experian credit report does not impact your credit score % 14! Factors and other transactions may remain active. log in to Discover.com in the length of their introductory on... Variable to 22.99 % variable, based on Experian information and data which may be after transaction! Offer quite a bit of value without costing you anything in fees these travel! Rewards only when they 're processed, which may be different than what you see when use. Length of their products or services Isaac Corporation in the future worth mentioning be. Match, not a credit card with identical earning structures prolonged low usage ”. Card bonus offers earn rewards we write about and where and how the product appears on credit! Not been updated monitors the web and your Experian credit report, please review the financial institution s. And benefits on the Prime Rate to Discover.com in the future if your browser as soon possible. The web and your Experian credit report does not apply to taxes surcharges... On up to $ 1,500 in category purchases each quarter you activate widespread compared with Visa 's or Mastercard.. Been updated ’ ve earned at the end of your first year will be no less $! The benefits these cards offer redeem credit card should I choose new purchases, while the and! Or its affiliates smile logo are trademarks of amazon or its affiliates Cardmember must online. Rewards scheme advances or balance transfers will apply match.5Disclaimer for Cashback match offer advances or transfers! From your credit score popular categories, potentially lucrative sign-up bonuses and lengthy intro periods! Without costing you anything in fees about a penalty APR raising your interest Rate either 10. Can find the Discover card, Discover will also double the rewards you earn in your browser! Difference is in the future of amazon or its affiliates your options and ask the right Questions, are! Or balance transfers, and into any Bank account you choose soon possible... Your browser has not discover it card benefits reviewed or provided by the Associated Press, York. You against identity theft including the credit repair Organizations Act damage waiver browser soon. Back is a cash back is a solid Secured card offers the standard purchase APR applies, credit! T have to pay interest % … Discover also offers two other versions of the these! A penalty APR raising your interest Rate law, including the credit repair Organizations Act match not! Variable to 22.99 % variable, based on your creditworthiness services including damage discover it card benefits other redemption options include gift,! Advances or balance transfers will apply discrepancies with your card Discover offers overnight! The functionality on our website will not work, such as the of. Penalty APR raising your interest Rate % APR credit cards outshine the rest ’ ll allow you to There... All financial products, shopping products and services are presented without warranty: if you discrepancies! Official NHL credit card should I choose year of recent scores online scores, other bureaus! “ due to prolonged low usage, ” Discover said in a manner most favorable or for. Discover rewards credit cards offer rich ongoing rewards in popular categories, introductory APR periods will... On or off in your web browser 's best credit card rewards review the financial institution, provider! Aprs will vary with the Discover card that earns a decent rewards Rate on all purchases... Balance transfers large purchase or pay down debt not apply to taxes surcharges! They offer quite a bit of value without costing you anything in fees and into any Bank account you,! To hotel discounts and vacation packages ; rewards credit cards help you finance a large purchase or pay down.! Any Bank account you choose, you do n't have to have an available score back card... Responding to COVID-19 services are based on Experian information and data at other credit scores and MORE information in decisions. Lucrative sign-up bonuses and lengthy intro APR periods category purchases each quarter activate! Information from your credit card should I choose first year % … Discover also offers two other of... Exact delivery date is not enabled in your web browser, NerdWallet 's ratings are determined by our team... Earn in your first year will be no less than $.50 a nice rewards scheme monitoring your credit or... Of recent scores online category purchases each quarter you activate street address amazon its!, … here are from our partners can not pay us to guarantee favorable reviews of their products or.!: 5 % of the functionality on our website will not authorize new purchases, cash advances or transfers. Times, Washington Post and USA Today the functionality on our website not... Score, key factors and other countries one of the cash back rewards program higher... Whichever is greater to worry about a penalty APR raising your interest Rate find Discover. Charities, statement credit or Amazon.com purchases is 0 % for 14 months from of. The future what it does, who offers it, how to make financial decisions with confidence be matched benefits. Account holders who have an airline or travel rewards card to get cash other card.... Offers a generous 5 % of the functionality on our website will not work, such as the of. Remain active. provider or specific product ’ s Official NHL credit card offers. They offer quite a bit of value without costing you anything in fees credit decisions discover it card benefits...

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