Discover It Cash Back Review With Pro And Cons – 21 Points
1. This is best card for everyday use or as part of multi card reward maximizing strategy if you don’t mind keeping track of bonus category changing every quarter.
2. Intro Apr for Purchase And Balance Transfer:
0% for 14 months
3. Annual Fee:
4. Regular APR:
14.24% – 25.24% Variable
5. Credit Needed:
Good/Excellent 670- 850
6. Reward Rate:
Earn 5% cash back in rotating categories each quarter up to the quarterly maximum (currently $1,500) each time you activate.
Earn 1% cash back on all other purchases, with no limit on how much you can earn.
7. Intro Bonus:
Matches cash back at end of first year of card membership on all cash back earned.
8. Annual Fee:
Redeem at any time
Redeem as gift cards, donations, credit to your account, direct deposit into any account, payment at select retailers
0% intro apr on purchase and balance transfer
Match cash back:
Discover it will match all cash back you have earned at end of first year.
0 annual fee
No foreign transaction fees
No minimum redemptions
Free FICO® Score
Flat rate card may be better for you if you don’t like keeping track of bonus categories.
Slightly less accepted in us
Acceptance outside us is issue.
Little Travel Protections
Few Purchase Protection Benefits
5% cash back is limited to $1,500 in purchases
11. Other Benefits:
Free FICO credit score
No fee for first late payment
No foreign transaction fee
12. Go for Discover It Cash Back:
If you want to maximize cash back without paying annual fee.
If you are planning to make large purchase using promotional apr.
If you are interested in quality customer service.
If you don’t mind enrolling bonus categories each quarter to earn 5 % cash back.
13. Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers
14. Max Late Fee:
15. Cash Advance Fee:
5% (min $10)
16. Cash Advance Apr:
17. Max Penalty Apr:
18. Discover bonus rewards categories for 2019:
Q1 (Jan. 1 – March 31):
Q2 (April 1 – June 30):
Uber and Lyft
Q3 (July 1 – Sept. 30):
Q4 (Oct. 1 – Dec. 31):
Target (in store and online)
19. Customer Experience:
24/7 customer service?:
Online chat available?:
Google Play Store mobile app rating:
Apple Store mobile app rating:
20. The Discover It cash back Card is hard to beat with a high 5% cash back and no annual fee.
21. 0 percent intro APR on both purchases and balance transfers for 14 months with discover it cash back will make you happy.
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