The Discover card is America's first cash rewards credit card, and I think it has some of the most pleasant customer services in the credit card industry. The Discover it® credit card is issued by Discover Financial (DFS), one of the largest credit card issuers in the US. There are several types and versions of Discover it credit cards (cash back/rewards hybrid cards), and many have similar features. Having reviewed so many credit cards, I can say with confidence that Discover is one of the more competitive card issuers as it frequently comes out with new credit cards for different needs.
Are you thinking of getting a Discover card, but are not sure which one exactly you should get, and which are the latest offers? You've come to the right place. We at GET.com get all the latest Discover it credit card offers directly from Discover, so we know which are the latest and hottest deals and can share them with our readers here.
Here's a quick overview of Discover it cards:
- Discover it cash back cards give you up to 5% cash back on your spending. This 5% applies (after you sign up for 5% Cashback Bonus) to certain categories of purchases that change every quarter. The categories are wide-ranging, and include gas, fashion, travel, dining and many more, so you always have an opportunity to save more money on your regular expenses. You earn this 5% for total category purchases you make each quarter up to the quarterly maximum. Think of cash back cards as discount cards!
- Discover it Cards are very flexible. Your cash rewards can be exchanged for real cash or if you prefer, other types of rewards such as store gift cards or merchandise.
- You can more than DOUBLE the value of your cash rewards if you redeem them for certain partner retailer gift certificates instead of cash. For instance, if you've earned a $40 rebate, you can exchange it for a $100 certificate from Hyatt Hotels & Resorts.
- Shop at Discover's online mall Discover Deals to earn extra cash back when you buy stuff from over 200 big-name online retailers such as BestBuy, Groupon, Home Depot, JCPenney etc. Miles card members earn extra miles with Discover Deals.
- Great customer service. J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014" after it received an equal score with American Express.
- Choose from a huge selection of card designs. With this option, you don't have to stick to a boring card image.
Below are the highlights of the latest Discover it cards:
Discover it® is the main and most popular Discover card. You get 5% Cashback Bonus up to the quarterly maximum for combined purchases in certain categories that change every 3 months, after you sign up for 5% Cashback Bonus. Earn 1% rebate on all other purchases. Get additional rebates when shopping with Discover Deals to save even more money. It also has a special 0% intro APR on purchases and balance transfers for the first 14 months (10.99% - 22.99% variable purchase APR thereafter). 3% fee applies to balance transfers.
Read our review of Discover it®.
Discover it® - 18 Month Balance Transfer Offer is one of the best balance transfer cards in the market now. It is a time-limited card that offers a special 0% interest rate for people who transfer any high interest card balance to this new credit card, for a period of 18 months (10.99% - 22.99% variable APR thereafter). Cut your card debts and pay zero interest for 18 months with this card. Keep in mind that a 3% balance transfer fee still applies. You'll also enjoy 0% introductory APR on purchases for 6 months, and a 10.99% - 22.99% variable APR on purchases after that.
Read our review of Discover it® - 18 Month Balance Transfer Offer.
Discover it® for Students is the student version of its flagship Discover it Card which also has the 5% rebate up to the quarterly maximum for purchases in rotating categories after you sign up for 5% cash back. It also lets you earn up to 20% rebate when you shop through their online mall. Having just acquired The Student Loan Corporation (SLC), Discover it® for Students is set to become an even more popular choice of card among college students. This is a good card if you want to build up your credit while in college and it offers free FICO® credit score to keep track of your rating. It has 0% intro APR on purchases for 6 months, and 12.99% - 21.99% variable APR on purchases thereafter, as well as a 10.99% intro APR on balance transfers for 6 months with 12.99% - 21.99% variable APR thereafter. No annual fee.
Read our review of Discover it® for Students.
Discover it® for Students with $20 Cash Back. This card lets you earn a $20 Cashback Bonus when you make a purchase within the first 3 months of approval. You also earn cash back rewards on all your spending. Enjoy 5% cash back on purchases when you shop in rotating categories. You get this great cash back on these purchases each quarter after you sign up for 5%, up to the quarterly maximum. You also get 1% cash back automatically on all other purchases. If you transfer a balance to this card before July 10, 2015 you'll enjoy a low introductory 10.99% APR for 6 months for your balance transfers. After the intro period, there is a 12.99% - 21.99% variable APR on balance transfers. This card has no annual fee.
Read our review of the Discover it® for Students with $20 Cash Back here.
Discover it® chrome is a no annual fee credit card that gives you 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter. And you don’t need to sign-up to a cash back program in order to earn the 2% cash back - it’s automatic. You also earn 1% cash back on all other purchases. There is a 0% intro APR on purchases and balance transfers for 14 months, after that there is a standard (10.99% - 22.99% variable APR. There is a 3% fee for each balance transfer. View your FICO® score for free on your monthly statements, via an app, or online. Customer service at all hours, 100% US based. No foreign transaction fee, no overlimit fee and no late fee on your first late payment.
Read our review of the Discover it® chrome here.
Discover it® chrome for Students. If you're looking for a fair credit student card that offers decent cash back on ordinary expenses, this credit card's a good place to start. First of all, it won't cost you much as it has no annual fee, no overlimit fee, no late fee on your first late payment, and for those who like traveling or shopping abroad, it has no foreign transaction fee. Then there's the 2% cash back that you earn if you spend at restaurants and gas stations, up to a combined purchase limit of $1,000 per quarter. No need to sign up to earn this 2% cash back. You get a full 1% cash back for all other purchases, and also benefit from a 0% intro APR on purchases for 6 months (after that, there is a 12.99% - 21.99% variable APR on purchases). You'll also enjoy 10.99% intro APR on balances transferred to this account by July 10, 2015 (12.99% - 21.99% variable APR on balance transfers thereafter).
Read our review of the Discover it® chrome for Students here.
Discover it® chrome for Students with $20 Cash Back. As a sign-up bonus cardholders can earn $20 cash back after making a purchase within the first 3 months after being approved for this card. You can earn 2% cash back on your purchases at restaurants and gas stations, on up to $1,000 spent in combined purchases per quarter. No sign-ups are needed in order to earn this double cash back. On all your other purchases you will earn 1% cash back. This card has no annual fee and no foreign transaction fee. There is no penalty APR and no late fee on your first late payment. There is no overlimit fee either. 24/7 customer support based 100% in the US. Work on building your credit by getting free access to your FICO® Credit Score in your monthly statements and online. You only need fair credit to apply for this card.
See our full selection of Discover credit cards here.