ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Full Review Discover It Credit Card

Updated on August 22, 2014

Discover It Features

Discover It Features
Discover It Features | Source

Sign-up Bonus

So what do you get for signing up?


Correct, there is no sign-up bonus for the Discover It card. Now, from my standpoint it feels something akin to having a first date with someone who didn't comb his/her hair. It's not necessarily a dealbreaker but I'm not happy and I'm already thinking of ways to get out of this experience.

But at the same time, I'm drawn to Discover not going the route that Chase and Citi have gone with crazy sign-up bonus rewards. And to be fair, this is a mid-level credit card that may be your day-to-day credit card, but isn't meant to compete against a Chase Sapphire Preferred or Amex Platinum card.

With nothing left to see here, let's move on.

Which perk is the most valuable to you?

Which perk is the most valuable to you?

See results

Core Benefits

Now it gets interesting. As you may have noticed, Discover takes the kitchen sink approach to credit card core benefits:

  • 5% cash back in categories that change throughout the year, up to the quarterly maximum, with free sign up offered to all cardmembers each time
  • 1% cash back or more on all other credit card purchases
  • Use rewards instantly on
  • Paying late won’t raise your APR
  • No late fee for your first late payment
  • If you lose your job, get a lower rate, lower payment or other help
  • No fee for going over your credit limit
  • No foreign transaction fee
  • Free FICO credit score on statements

So at the heart of the appeal for the Discover It card is the 5% cash back. Every quarter the category changes, but once you're entered, you get 5% up to the maximum which is generally $1,500. Where this is always mentioned is for gas stations. Everyone seems to be looking for a real rewards card that pays you to gas up the family station wagon. Well, this year, from July to September, you can get the 5% reward up to $1,500. Next quarter it might be restaurants, or electronics purchases, or clothes, who knows?

Outside of the 5% category, you get 1% back. Well, that tells the whole story then. Outside of the bonus category, there's no real reason to use this card.

Being able to use rewards instantly on is something I've also seen from Citi and Chase. Depending on how often you shop on Amazon, you can turn those gas reward points into gift baskets or other purchases on America's favorite online shopping destination.

What I think will draw in a lot of consumers new to credit cards, or with a below average credit history, are all the features that really speak to how Discover treats its customers. No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no transaction fee. Discover has basically decided to go with the tried and true "treat someone else the way you wish to be treated" and I give them the benefit of the doubt for it.

I really like the free FICO credit score. If you haven't signed up for a service like CreditKarma, then it can be really helpful to know your FICO score, particularly before major purchases like a vehicle or home.

Discover It

Discover It
Discover It | Source

Bottom Line Value

Going back to first impressions, I was not all that excited to pick up the Discover It card. Without a sign-up bonus, and with blah looks, why would I go out of my way to get this credit card? But as with all things, beauty is truly under the surface with Discover It.

If you're someone who is interested in not just being another credit card customer, but more of a valued long-term consumer, then I think you should take a long look at this credit card. Because there's no annual fee, you really don't have anything to lose. And without other fees in place, as well as promised good customer service, Discover has made a real attempt to create a credit card that is unique in the marketplace.

Plus if your buying needs line up with the quarterly 5% category (road trip during gas bonus quarter) then this card can get some serious usage at different times during the year. And you can log in to see your FICO score, which makes this less of a credit card, and more of a personal finance tool. Or at least, that's how they'd have you look at it.

In short, Discover It is not an A+ card with exceptional benefits, and it's not for credit card churners or for someone who wants to be treated like a VIP. It's for the other 90% of credit card users, and it deserves to be one of a few cards in your wallet.

Annual Fee


The Discover It card has no annual fee, and is proud to trumpet the fact that they don't really care for fees. If you miss a payment, just give them a call and they'll forgive you on the first one. Miss a payment, and they won't raise the APR on the card (it's high enough already, by the way). If you go over your credit limit, no problem!

Because there's no real sign-up bonus with the credit card, it would be a small slap in the face if you were charged to use it every year. So no annual fee is the right choice, and that makes this card an easy contender to keep in your wallet year after year.

Fair. Generous. Flexible. Human.

Fair. Generous. Flexible. Human.
Fair. Generous. Flexible. Human. | Source

Discover It Review

About DealForALiving

I believe that being frugal and making smart money choices is like any other exercise. As we continue to practice good habits in saving money where possible, finding deals for what we want, and having a good time at it, then we become better at dealing for a living.

I'm committed to sharing my experiences with getting the most out of using credit cards, saving and spending tips, and I might even add a slice of perspective without trying to be a psychoanalyst like some other personal finance folks out there.

Please let me know what you think and if you'd like to hear my take on a specific topic.

Most Sincerely,




DealForALiving | Source


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)