New and Improved: The Discover it™ Card

by Jon Dulin

I’ve been a Discover card holder since 2002. It has always been a good credit card for me, but never was my “go-to” card for my purchases. In 2012, Discover decided that it wanted to become more of a “go-to” card for many consumers. As a result of this, they eliminated all of their offerings at the time and began to only offer the Discover it™ Card.

You read that right, while all other credit card companies have a handful of card options for you to choose, Discover is offering only one. (One quick note to current cardholders, there is currently no plan to convert your “non-it” card to the “it” card. But, you can call Discover and request the new card. Everything will stay the same, including your account number, you’ll just receive a new card.)

The Discover it™ Card Benefits

Cash Back: As with previous Discover credit cards, the new Discover it™ card offers 5% cash back on rotating categories throughout the year. All other purchases earn a flat 1%. But, if you use the online portal ShopDiscover, you can earn up to 10% cash back. Also, Discover has been promoting it’s cards with additional cash back over random weekends. I’ve already received an email for 2% cash back on all my purchases a few weeks ago. All you have to do is sign up online.

Annual Fee: The new Discover it™ Card carries no annual fee for card members.

Late Fee: Discover waives the late fee the first time you are late on a payment and will not increase your APR either. This is great because as we all know, life happens. There are times you forget when to make your payment. Also, it’s nice that they won’t automatically raise your interest rate like most other credit card issuers do.

Additionally, when making your payment, you can chose your payment date and pay by 12pm midnight Eastern Time. This is a great feature because most other credit card issuers require payment by a certain time in the afternoon.

100% U.S. based customer support: When I was going overseas this past summer, I called the credit card issuers that I was going to use while overseas to let them know. I didn’t want to take a chance of getting declined. When I called Discover, I was blown away. Before I spoke with a representative, I was told what calling center in the United States I was going to be talking to. On top of that, the person I spoke with was very friendly and very helpful. In fact, it was a better experience than when I called American Express! Granted it was only one time, but American Express is known for their great customer service.

No Foreign Transaction Fees: If you travel overseas, this is a great card. Most other cards charge roughly 3% when you use your card overseas, but not Discover. When I called the customer service team that I mentioned above, they asked where I was traveling to and then verified whether or not Discover was widely accepted there or not. It was nice at how honest they were with me. They told me that Discover was just beginning to make itself known in this country and that I should have a back up card just in case.

Other great features include:

  • Purchase Protection
  • Price Protection
  • Extended Warranty
  • Return Guarantee

Overall, I really like my Discover card and from what I have seen from their new card offering, the new Discover it™ Card will be a huge hit for them. I will continue to use my Discover card primarily for the 5% rotating bonus as well as overseas assuming it is widely accepted. If you are in the market for a good credit card, I recommend the Discover it™ card.

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{ 2 comments… read them below or add one }

Jennifer Lynn @ Broke-Ass Mommy February 13, 2013 at 11:45 am

Discover rolls out some really great and quality products. I’ve been a card holder for nearly four years and am extremely satisfied. Although my Amex has replaced Discover as my go-to card of choice, I still utilize Discover’s business through their online savings account options (grandfathered in at a .90% APY, which is a feeble rate but still better than most.)
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Cat February 18, 2013 at 5:36 pm

This card is quite tempting. But I already have a discover card so I don’t think I can just get another one.
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