Review: The Discover It Card Aims to be a Consumer-Friendly Game Changer
View full post on Credit and Personal Finance Blog | Credit Karma
Listening to your customer base is one thing. Implementing customer-pleasing changes into a brand-new credit card product could be a game changer.
The Discover It Card hopes to do just that, with its goal to be more consumer-friendly and flexible in its offerings. This flexibility comes in the form of a due date that you choose, human customer service, and more. There are three versions of the Discover It card, replacing the popular Discover More Card.
Discover It Card – Changing the way we think about credit cards
The three Discover It Cards include two different balance transfer offerings and one student card. Here are the details:
|
Card
|
Credit Needed
|
Annual Fee
|
Balance Transfers
|
Good For…
|
|
Discover It
|
Excellent
|
$0
|
0% APR for 14 months
|
Consumers who want great cash back rewards and fraud protection.
|
|
Discover It
|
Excellent
|
$0
|
0% APR for 18 months
|
Consumers who want great cash back rewards and a long introductory balance transfer period.
|
|
Discover It for Students
|
Fair
|
$0
|
n/a
|
Students who want to build or establish their credit while earning cash back.
|
There are several benefits that apply to all three cards:
- Fees: In addition to no annual fee, these cards also come with no overlimit fee, foreign transaction fee or pay-by-phone fee.
- First late fee waived: If you slip up once and make a late payment, you won’t be charged a fee the first time. Plus, Discover won’t increase your APR if you pay late.
- Cash back: You can earn 5% cash back on revolving categories (until March 2013 that includes restaurants and movies). For all other purchases, you’ll get 1% cash back.
- Customer service: When you have a question, you can get in touch with a real person on Discover’s 100% U.S.-based customer service team.
- Flexibility: You can choose your due date for your credit card bill and pay up to midnight ET online or by phone.
Bottom Line: Just like applying for any credit card, make sure that you check your Credit Karma Approval Odds first. (Read more about Approval Odds.) Also, read over these helpful do’s and don’ts of getting a new credit card.
Apply for the Discover It Card – 14 month intro balance transfer
Apply for the Discover It Card – 18 month intro balance transfer
Apply for the Discover It for Students Card
Bethy Hardeman is the Social Media Manager and Writer at Credit Karma.
Disclaimer: Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the card issuer. This site may be compensated through some of the included links.
Follow Credit Karma!
Facebook: http://www.facebook.com/CreditKarma
Twitter: http://twitter.com/creditkarma
YouTube: http://www.youtube.com/creditkarma
Subscribe to the Credit Karma Blog
Tags: Aims, Card, Changer, ConsumerFriendly, Discover, Game, Review