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Discover it® Review

PROS / Discover it® provides fraud protection, along with baggage delay, car rental and flight accident insurance. It also offers cash back rewards.

CONS / There is a late fee of $35 for all late payments. However, you will not be assessed this fee for your first late payment.

 VERDICT / The security protection, no annual fees, excellent travel benefits and more are ideal if you don't want to worry about your credit card and want excellent options and benefits. Discover it® offers many satisfying features.

Discover it® not only offers no annual fee, a zero-percent introductory APR for 14 months and cash back rewards, but it also provides fraud protection, purchase protection and more. The Discover it® is our TopTenREVIEWS Silver Award winner because it offers all of the features you need in a credit card, including strong protection, 24/7 account access and zero liability. You can also enjoy the cash back rewards this credit card offers, along with the outstanding customer support if any problems, concerns or questions arise.

APR For Purchase

Discover it® has no annual fee. It also features a zero-percent introductory APR for 14 months on all purchases and balance transfers. After 14 months, the standard variable purchase APR of 10.99% - 22.99% Variable* applies, and your specific percentage will depend upon your creditworthiness. Additionally, one large advantage to using this card is that if you make a late payment, it won't increase your APR, which can be a relief.

There is a 25-day grace period associated with this credit card. This means you have 25 days to pay off your credit before any interest will accrue. This grace period is the longest we saw of all the cards on our lineup.

Essential Features

Discover it® offers all of the features we like to see in a credit card. You have full control of your account and can access it anytime, from any computer or mobile device. If you choose to manage your account from your cell phone or tablet, you can receive reminders, fraud alerts and more delivered right to your fingertips to ensure that your money is always safe and secure.

Discover provides you with email reminders that are designed to help you avoid fees. Reminders will be sent to you when you're approaching your credit limit and when you have to pay off your line of credit. These timely reminders are a great tool because they free up one more thing you would have had to think about and remember each month. Cardholders are also not held responsible for fraudulent charges made with their cards. While this service doesn't protect your card from theft, it does give you peace of mind, knowing you won't be paying for stuff you didn't buy.

Additional Features

This credit card has a handful of additional features that enhance its appeal and give you a little extra. With Discover it® cash back rewards, you can receive up to five percent cash back in a variety of categories. These categories, such as gas and restaurants, change during each quarter of the year. You can also receive an unlimited one-percent cash back reward on additional purchases.

Discover it® comes with many travel features that enhance this credit card's value. You can receive travel assistance at any time of the day or night. Baggage delay insurance is an added benefit. With this insurance, if you purchase your flight ticket using your Discover card and your baggage is delayed more than three hours, Discover will reimburse you for your essential items. There are also several additional insurance plans available with this Discover card. These include car rental insurance and flight accident insurance.

Fees/Charges

As we mentioned previously, there are no annual fees with this card. If you miss a payment deadline, your first late payment will not include any late fees. However, any following late payment will be subject to a $35 fee. Any returned payment will also incur a $35 fee.

The minimum interest charge for your Discover it® credit card will be no less than $0.50. There is no overlimit fee with this credit card, though, and no foreign transaction fee, which makes this card ideal if you travel internationally.

Help/Support

Discover earned full marks for the help and support it offers cardholders. The company provides both email and telephone support if you wish to speak directly to a customer service representative. Customer support is available 24/7, so no matter what happens or when it happens, a representative is available to assist you.

In addition to direct customer support, you can access FAQs on the Discover website. There is also an extensive glossary on the website that can help you better understand and comprehend many of the terms and features associated with your card.

Summary

Discover it® has many benefits and features to help you manage your money and get the most from your credit card. Its long grace period, 24/7 account access, travel insurance benefits and cash back rewards are all great advantages to this credit card. If you're a world-class traveler or you want a credit card with excellent fraud protection, Discover it® may be just what you need.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.