Discover IT Card : Consumer Reviews
 

Consumer Reviews: Discover IT® Card

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OVERALL RATING:
4.5/5.0
Card Benefits: 4.4/5.0
Customer Service: 4/5.0
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Cardmember Reviews (Showing 23)
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By foodie

Review date: 04/22 2014
Having been using this card recently for my holiday shopping. I found out when I logged into my account that I could shop at online stores and get 5% cash back. I think Discover calls this shopdiscover. You do have to log into your account to shop this way. But you do earn lots of cash rebates!

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By Brad9664

Review date: 04/15 2014
Got this card because of the BT offer. Transferred 10k over and paid off the balance within 15 months. But I got hooked on this card because I realized I could earn so much more cash back compared to my Wells Fargo card. The fico score feature is absolutely great and since I shop at amazon.com quite a bit, I use my cash back there.

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By Amber46

Review date: 04/03 2014
Just exchanged cash back for a a couple of gift cards and I found out that I got slightly more value in the gift cards than what I had earned. Love this card. Love that I can see my FICO score too.

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By 89JH

Review date: 03/28 2014
The only thing about this card that appeals to me is the free fico score that you get. It's really awesome. But I am finding that rotating categories and all that are not really my cup of tea. So I ended up using my amex BCE mostly. I am still keeping this card for the fico score.

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By Jman

Review date: 03/17 2014
Discover is one of 2 cash back cards I use - the other being the Amex BCE. On the Amex, I use it at supermarkets, gas stations and some department stores (which the card gives you a 2% cash back). For the Discover, I try to be aware of the rotating category expenses and use it when appropriate. I also use this card for online shopping through shopdiscover and also at amazon.com (better than amex).

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By goldie8

Review date: 03/11 2014
I found that Discover has probably the nicest customer service reps. This is after getting terrible CSRs responses from BOA, Chase and Wells.

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By henna

Review date: 02/22 2014
For me, the best feature of this card is the FICO score that I get. The other feature that I really like is the shopdiscover 5% cash back from online merchants. I saved quite a bundle during the last holiday season. Like some here, I am not the biggest fan of the rotating category thing because I cannot be bothered to keep track of it. My hubby on the other hand loves this feature. I still have my amex blue cash which I use more often and the Discover is for online shopping and checking FICO scores.

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By gae

Review date: 02/10 2014
Many things to like about this card. The design is cool. You could use cash back on amazon.com. And you get the free FICO score with your statement. Having said all that, I am not the biggest fan of rotating categories. So I still use my Cap One 1.5 cash back card along with Discover.

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By finn

Review date: 01/24 2014
Prior to this card, I also had a Shell and a Amazon card. I used to like the amazon visa a lot because I shop at amazon a lot. But I also realized that I did not really earn enough points outside of the amazon store. So it came as a surprise (well, it would have been had I read the review here) that I could use the cash back from Discover when I shop at amazon. I now use this card almost exclusively for everything. Love the FICO score feature too.

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By shirl

Review date: 01/14 2014
For all the credit cards that I have had and used, I always redeem points for gift cards. It works for me and I can pick which store gift card to get before I make a purchase. When I got this card a few months ago, I realized if I used my cash back for their gift cards, I can actually get more value than the cash back I have already earned. This feature is seldom talked about when you read other forums, but for me, this is golden. I guess the bottom line is that if you are a gift card reward type of person, this has got to be the best card.

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By LMT

Review date: 01/08 2014
I got a macpro 15" for my daughter through the shopdiscover apple online store. Got the 5% cash back and also the discount from using her student ID.

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By canberryjuice

Review date: 12/15 2013
great card. Like getting the FICO score every month. During the last christmas season, I used this card exclusively when I was shopping online. And I used shopdiscover too. It gets me the 5% cash back. I figured that I must have saved quite a bundle just from that feature. This is now my go to card for everyday use and I am done with my Wells Fargo and BOA cards.

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By rain

Review date: 12/09 2013
I give this card a 4-star rating only because I'd rather not have the rotating categories but a straight cash back from different categories the whole year round. Having said that, the online shopping (shopdiscover) is really great. I am also very pleased that I can actually use the cash back at amazon.com. One last thing, the FICO score is also great.

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By slick4

Review date: 12/01 2013
I have had my fair share of cards in my wallet. Chase Freedom, Amex Blue Cash, BOA are all sitting in my wallet. But I find myself using this card more because I really like the cash back I earned. Though this card looks as though it is similar to the Chase Freedom, it is really not. I found that I do save a lot of money (and earn cash back) from the online shopdiscover store. I get to earn a minimum of 5% cash back whereas with my Chase card, it could be as low as 2% for the same merchant. In terms of customer service, I would say that this is even better than Amex.

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By Bernie

Review date: 11/04 2013
I have the More card and got this one when it first came out. It has the same benefits except for that no late fee the first time you are late. Having said that, I was late a couple of times on the More card and I still managed to get that waived so I'm not too sure if this was a big deal. The new things that I really like about this card is that I can use the cash back when I shop at amazon.com. I use the 5% cash back feature when it suits me. The other thing that I really like is the online shopping 5% cash back. I also have the Chase Freedom and they also have the online shopping portal and very often, they have the same merchants. But for some reason, Discover always gives a better cash back than Chase.

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By Nathan

Review date: 10/21 2013
I have this card while my wife has the Amex Blue Cash Everyday. I love the 5% category thing because (well) I can earn 5% cash back. I do not mind signing up once every 3 months. But my wife hates signing up every quarter and remembering what categories is in play. So she prefers the Blue Cash. Since she does the grocery shopping and drives the kids around, the Blue Cash works fine for her. Come holiday shopping time, we use this card for the online shopping. Many merchants have 10% cash back during the end of the year. We take advantage of this a lot. So the bottom line is that our household uses both this card and the Amex bluecash and it works for us perfectly.

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By Megan

Review date: 10/16 2013
I used to have the Chase Freedom and Sapphire Preferred. I used both card to max out my Ultimate Rewards account, which can be combined. And I used the points to transfer to FF miles and get travel rewards. About a year ago, my lifestyle changed and I no longer wish to redeem my rewards for travel. I got the Discover IT card and realized that it was pretty close to the Chase Freedom but was better in ways that suit me. The first thing is that I shop a lot online and I find that while Discover has not as many merchants, the payout is always better. Most of the time you get 5% cash back with Discover while with Chase, you get about 2% to 3%. I am using this card almost exclusively now and will most likely cancel my Sapphired Preferred just before the annual fee is due.

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By Shane

Review date: 09/01 2013
Used to have Chase, Citi and Amex. But I am just using this card almost exclusively now. Customer service is great what I have found is that Discover is accepted in more places that Amex. In fact, if Visa or MasterCard is accepted at a merchant, you could almost be certain that Discover will be too.

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By Rachel

Review date: 08/14 2013
So I want to share how I bought a Mac from apple.com through Discover. Apple is one of the online merchants that Discover has. And you get 5% cash back.I was able to use my student id online and get that discount. In the end I also got 5% cash back. So I saved quite a bundle. Nowadays, I always use this card for my online shopping. Macys, gap are my favorites.

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By Larry

Review date: 08/05 2013
Signing up for the quarterly 5% took some getting used to. But you get email reminders and it is just one click. I find that I tend to earn more cash back other the other cards I have (Blue Cash). But I am still keeping that one for grocery shopping. In my experience, Amex and Discover have the best customer service.

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By Jill

Review date: 08/02 2013
Just booked a carnival cruise on Discover since they were a partner for their online portal. And I got 5% cash back. Yippee!

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By Heidi

Review date: 06/23 2013
Have both the Chase Freedom and this one. And I used both since their 5% every 3 months is different. But Discover has a better online merchant cash back than Chase and I also like the fact that you can use your cash back at amazon.com

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By Dan

Review date: 05/28 2013
I use this card with the Amex Bluecash Everyday. For me, the great thing about this card is the 5% cash back that you get every 3 months with certain types of spending. I take advantage of that but sometimes you just cannot max it out. Their online shopping merchants is absolutely great as well. Once every few months, we have to shop at gap.com since our kids are growing and we get the extra 5% back with Discover. However, for grocery shopping and gas, I still use the Amex because this card has no grocery in their list.

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