Looking around for a credit card, but unsure of which one to choose from? It can be stressful and overwhelming, but you’re at the right place if you’re considering a credit card via Discover! In this guide, BankDealGuy will help you compare the Discover It Cash Credit Card among other credit cards! See the difference, the Discover difference. Discover Bank Online is available nationwide.

Editor’s Note: Choosing Discover Bank Online is a smart choice whether you’re banking online or looking for the best return rates. See our full list of Discover Bank Deals, Bonuses, Rates, and Promotions.

Discover Bank Online: Discover It Cash Credit Card

With the Discover It Cash Credit Card, you can expect NO annual fee.

1. 1. Cashback Match^TM Only from Discover, as of November 2016. After the first 12 consecutive billing periods that your new account is open, Discover Bank Online will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time Discover Bank Online calculates your potential award, Your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
   2. Redeem Any Amount Any Time: Discover Bank Online will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
   3. Use Rewards at Amazon.com: Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.
   4. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemption and certain other exempted transactions.
   5. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
   6. FICO^® Credit Score Terms: Your FICO^® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO^® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation of the United States and other countries.If you prefer not to receive your FICO^® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.* Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.49% variable to 23.49% variable, based on your creditworthiness. Cash APR: 25.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of December 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Discover Bank Online App

All your banking, in your pocket or purse. Download the Discover Bank Online App today via iOS or Android.

Still Have Questions?

Reach someone helpful 24/7. Call 1-800-347-7000!

Author’s Verdict

If you’re looking to apply for your first credit card or another one, I would highly recommend the Discover It card. I personally use it myself and it’s been great especially with the cash back rewards. For the first year, you will earn double of what you earn via cashback. Not only that you will be able to refer your friends and family and earn a cash rewards for yourself AND for your referral too! If you’re interested in more info regarding Discover Bank Online offers, check out our full listing of Discover Bank Online Bank Deals, Offers, Bonuses, and Promotions. Be sure to check back on BankDealGuy for more bank deals!

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