Discover it® Credit Card Review + $50 Bonus

Discover it Card Review

Discover recently announced that the Discover it® Credit Card is offering a double cash back promotion. All cash back earned in the first 12 months of card ownership is doubled.

That means 2% cash back on everyday purchases, 10% cash back on rotating categories, and up to 50% additional cash back through the Discover Deals shopping portal. You can also receive a $50 signup bonus upon card approval.

New applicants who are approved using our referral link will automatically receive these offers.

Discover it® Credit Card Design

Discover Bank offers two versions of the Discover it® – Cashback Match at this time.

Both cards share the same fee and rewards structure, and both cards include the double cash back promotion. The only difference is the introductory interest rate.

  • The original Discover it card offers 0% APR interest on all purchases and balance transfers for 14 months.
  • The Discover it® – 18 Month Balance Transfer offer includes 0% APR on purchases for 6 months and 0% APR on all balance transfers for 18 months.

If you are considering a balance transfer, the 18-month offer might be of interest. Both cards will allow you to choose a custom design when approved.

Discover it® Credit Card Rewards

The Discover it® Credit Card earns a minimum of 1% cash back on all purchases. This cash back is doubled after your first year of card ownership.

In addition, you can earn 5% cash back on rotating bonus categories, up to $1,500 spent per quarter. The 2018 bonus categories are summarized below:

Quarterly DatesBonus Category
Q1 2018 (Jan. 1 – March 31)Gas stations and Wholesale Clubs
Q2 2018 (April 1 – June 30)Grocery Stores
Q3 2018 (July 1 – Sept. 30)Restaurants
Q4 2018 (Oct. 1 – Dec. 31) and Wholesale Clubs

All cash back earned from the rotating 5% categories will be doubled in your first year of card ownership.

Discover Deals

The Discover it® Credit Card includes access to Discover Deals, an online shopping portal that pays you cash back on top of your 1% or 5% card earnings.

When approved for the Discover it® Credit Card, you will create an online account which provides access to Discover Deals. When you are shopping online, you simply log into your account, navigate to Discover Deals, then click on your desired merchant. Discover Deals then redirects you to the merchant website and automatically tracks any purchases that you make.

A few weeks after you complete your online purchase, Discover will send you an email saying thank you for shopping through Discover Deals. The cash back earned will automatically be added to your account.

Several hundred merchants participate in the Discover Deals online shopping portal, including big retailers like Walmart, Sam’s Club, Target, Kohls, etc. Each participating business will offer a different cash back amount, with most falling between 5% and 25% cash back.

There is no limit on the amount of cash back that you can earn through Discover Deals, and all earnings are included in the double cash back promotion.

Redeeming Your Cash Back

As you earn cash back, Discover makes it easy to redeem your rewards.

  • Direct Deposit – You can redeem your cash back directly into your bank account.
  • Statement Credit – You can redeem as a credit on your monthly statement.
  • Direct Amazon Purchases – You can purchase items from Amazon and pay using the cash back you have earned.
  • Special Gift Card Redemptions – You can get another 20-25% discount when you redeem your cash back for gift cards from participating retailers through Discover. For example, Discover offers $25 Staples gift cards for just $20 (20% discount).

You can redeem your rewards for any amount, at any time through your online account.

Discover it® Credit Card Features

Price Protection – If you find a lower advertised price after you’ve already purchased an item using your Discover Card, Discover will refund the difference within 90 days of your purchase, up to $500 per item and $2,500 per year.

Fraud Protection – If there are any unknown or wrongful charges on your Discover card, you won’t pay a dime. They take care of it for you.

Free FICO Credit Score – You can now check your real FICO credit score for free each month through your online account, mobile app, or printed monthly statement.

Free Credit Monitoring – Free alerts let you know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report.

Free Card Replacement – Receive free overnight shipping when you request a card replacement to any U.S. address.

Freeze Your Discover Account – prevent new purchases, cash advances, and balance transfers if your account is compromised. Freeze or unfreeze your account in seconds via the website or mobile app.

U.S Based, 24-Hour Customer Support – Call anytime and be able to speak with a real human being. All Discover call centers are in the United States, which means English is the language of choice.

Discover it® Credit Card Fees

I’ve summarized the most important Discover fees in the table below:

Type of FeeFee Amount
Annual Fee$0
Cash Advance FeeEither $10 or 5% of the amount
(whichever is greater)
Balance Transfer Fee3% of the transfer amount
Foreign Transaction Fee$0
First Late Payment$0
Additional Late Paymentsup to $37
Over-the-limit Fee
(when your purchases exceed your credit limit)

Compared to other credit cards, this fee schedule is generous.

Discover it® Credit Card Review Summary

Vanessa and I both own the Discover it® Card and have earned a significant amount of cash back from the 5% rotating categories and the online Discover Deals shopping portal. After our twelfth month of card ownership, all cash back will be doubled by Discover.

The generous cash back, robust features, and excellent fee schedule have made the Discover it® Credit Card an outstanding option. If you are interested in applying, you will likely need a credit score greater than 650 to be approved. You can find the complete application and earn a $50 cash bonus through this application link.

Also worth mentioning, Discover offers a competitive cash-back checking account and high-yield savings account. For more information, please see my Discover Bank Review.

Discover it® Credit Card Review + $50 Bonus
The Discover it® Credit Card offers double cash back on purchases for 12 full months (as a limited time promotion). With a no annual fee and a slew of other benefits, everyone should consider applying for this card.
Sign-up Bonus8.2
Customer Support9.5
Valuable features
Discover Deals access
Generous fee schedule
5% cash back categories
Double cash back promotion
Historically, Discover has been accepted at fewer merchants than Visa or Mastercard

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Jacob Lumby, PhDjames baumgardnerLoriMelnadia Recent comment authors

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james baumgardner
james baumgardner

Question. I mainly live and work in Europe so i use my current card for all gas and grocery purchases where we live in Bosnia. We spend around $1500 per month with local merchants using a credit card. Would these benefits be credited to me when i use a Discover it card with local Bosnian merchants or anywhere overseas?


If I bought on Amazon using cash back rewards and paid little or nothing, and I decide to return the item, will I get my reward bonus refunded to soend elsewhere, or do I lose it? Should I just keep the item or try to sell it?


Thank you Jacob for your great info & recommendations! I have a question about the doubling promo, and what is meant by a ‘new cardmember’. For the Discover It doubling promotion (“Discover matches all cash back you’ve earned at the end of your first year – automatically. Only for new cardmembers.”) I am wondering how a ‘new cardmember’ is defined… Does it mean ‘new from within the entire Discover family of cards’, or just ‘new with the It version of the card’? I have had a plain Discover card (non-It card) for years. If I now apply for my first/only… Read more »


I’m trying to figure out how to best utilize my card for the Amazon quarters. I see that Amazon gift cards are included in the third and fourth quarters and that Amazon gift cards are included in this offer. It seems the most obvious route to use during these quarters is purchasing Amazon gift cards to get the 5% discount that doubles. I also wonder if I’d get the $5 off discount for reloading atleast $100 onto the card for an additional 5% off… Anyways, if I purchase this gift card and get the discount, if I use the gift… Read more »


When you click through on the Discover Deals portal, one of the listed conditions is “Pay with your Discover Card”. They used to not enforce it, but I wouldn’t be surprised if they can do so now quite easily (I’m sure they could before, but maybe didn’t care enough?). Rather than just applying the cashback percentage to the transaction amount reported by the retailer, presumably Discover Deals (the portal) is owned/affiliated with the Discover Card, and so the Card can verify that at least some portion of the purchase through the Deal portal was paid for with a Discover Card,… Read more »


Would someone be able to provide a list of merchant gift cards from Discover’s reward program? I current have the Chase Freedom card and the program changed to only redeeming gift cards and air flights. The list of merchant gift cards seem ok, but wish there was more.


Great blog. And I agree that Discover has MANY benefits. I almost exclusively use Discover.


We love the Discover It card! And we also use the Chase Freedom card.
My husband drives almost 100 miles round trip to work, so we get to have 5% cash back 3/4 of the year while using both of these cards. You can’t beat free cash.


What? Driving a hundred miles per day gets you 5% cash back for 9 months a year? I guess I am missing something as I am driving 90+ miles per day for work and not getting that deal. Should I contact the DMV or the credit card companies?



Based on your review i went ahead and ordered the discover it card.



I think this card is great…I’m like my Discover card for sure. I always use the shopdiscover feature if I’m buying something online and I like that you can redeem for gift cards for greater value. I often get the staples gift cards $20 for a $25 gift card. Discover also has useful rotating 5% categories.