January 3rd, 2013

Review: The Discover It Card Aims to be a Consumer-Friendly Game Changer

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Discover It 14

Listening to your customer base is one thing. Implementing customer-pleasing changes into a brand-new credit card product could be a game changer.

The Discover It Card from our advertising partner hopes to do just that, with its goal to be more consumer-friendly and flexible in its offerings. This flexibility comes in the form of a due date that you choose, human customer service, and more. There are three versions of the Discover It card, replacing the popular Discover More Card.

Discover It Card – Changing the way we think about credit cards

The three Discover It Cards include two different balance transfer offerings and one student card. Here are the details:

Credit Needed
Annual Fee
Balance Transfers
Good For…
0% APR for 14 months
Consumers who want great cash back rewards and fraud protection.
0% APR for 18 months
Consumers who want great cash back rewards and a long introductory balance transfer period.
See Terms
Students who want to build or establish their credit while earning cash back.

There are several benefits that apply to all three cards:

  • Fees: In addition to no annual fee, these cards also come with no overlimit fee, foreign transaction fee or pay-by-phone fee.
  • Cash back: You can earn 5% cash back on revolving categories. For all other purchases, you’ll get 1% cash back.
  • Customer service: When you have a question, you can get in touch with a real person on Discover’s 100% U.S.-based customer service team.
  • Flexibility: You can choose your due date for your credit card bill and pay up to midnight ET online or by phone.

Bottom Line: Just like applying for any credit card, make sure that you check your Credit Karma Approval Odds first. (Read more about Approval Odds.) Also, read over these helpful do’s and don’ts of getting a new credit card.

Apply for the Discover It® Card – 14 month intro balance transfer
Apply for the Discover It® Card – 18 month intro balance transfer
Apply for the Discover It® for Students Card

Editorial Note: The editorial content on this site is not provided by the bank or issuer. Opinions expressed here are author’s alone, not those of the bank or issuer, and have not been reviewed, approved or otherwise endorsed by the bank or issuer. Credit Karma may be compensated by companies mentioned through advertising, affiliate programs or otherwise. It is this compensation that enables Credit Karma to provide its members with services like free access to your credit scores and free monitoring of credit and financial accounts at no charge.



is the Social Media Manager and Writer at Credit Karma, where she’s been since February 2011. When she’s not writing about credit and finance all over the web, you can find her playing her guitar, catching the latest movie, training for her next race or just exploring the city of San Francisco. Say “Hi” on Twitter: @bhardeman.

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Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. Very interesting post. This card could definitely be a game changer. However, you also need excellent credit.

    Brett @ wstreetstocks at 8:10 am on January 4, 2013
  2. I found this article by searching it in google.com very useful article. Thanks

    jany at 8:10 am on April 18, 2013
  3. Discover doesn’t seem to have its act together. They show my current balance inflated today 7 Sep because they have not reduced the balance for a payment that was posted to my account 2 days ago on 5 Sep. The payment is shown as having been made on the payments page and I know they got the money because the funds have already been taken from my bank account. But on the home page they still show the balance including the statement balance which was paid in full according to their own system 2 days ago.

    What else are they getting wrong?

    Henry Gonzalez at 10:20 am on September 7, 2013

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