Why People Apply For The Discover It Card

///Why People Apply For The Discover It Card

By MPS Staff | Feb 28, 2013 | Updated: Sep 17, 2019

You need a card that allows you to buy where you want and what you want. The Discover It card is packed with features that can save you a significant amount of money. From a low APR to various ways to control payments, it’s all yours.

What Cash Back Is All About

It’s easy to like cash back. Instead of getting points and miles that are hard to redeem, you get cash. A cash back account is established for you. Your balances are disclosed in your monthly statements and online. With every purchase, you earn 1% cash back. Quarterly, there are different categories where you can earn 5%. When you spend in these categories, you can add to your cash back account faster. There are also various online retailers that can make it easier to earn cash back.

Consider what you want to use the cash back for. You can use the cash back as a statement credit to pay for purchases that you have already made. You can also buy what you want with a Discover gift card or a check mailed to you. If you want to purchase on amazon.com, you can also use your cash back right there.

The more cash back you get, the more you save. There is a cash back concierge that can help you make the most of your cash back rewards throughout the year. You can phone a representative and get the assistance you need to find out how you can change your spending to maximize your rewards. Your account will be reviewed and tips will be shared.

With the cash back rewards, there is no maximum to what can be earned in the year. The more you spend, the more cash back you get. There is no expiration on the cash, plus you get to choose when you wish to redeem it. You can redeem it each time your account reaches $25 or you can let it accumulate to get a cash reward of hundreds of dollars.

How To Save Money

There are many ways to save money with this credit card. One of the more obvious ways is with the long intro rate of 0%. This gives you many months with absolutely no interest rate to worry about. This means no interest charges during the entire introductory period, allowing you to buy what you want and making the minimum payment without accumulating a lot of debt.

When the introductory period ends, you will be given a low variable rate for your purchases. The percentage you are given is based upon your credit score. If you want to avoid an interest charge, you always have the option of paying off your balance in full each month when your statement arrives.

Another way to save money is with the balance transfers. You can transfer the balances of your other credit cards over to your Discover card. You are given a low balance transfer rate – as well as an even lower one in the intro period of signing up for the card. This allows you to pay off your debts faster because your interest charges each month will be considerably lower.

You can use your card in many places around the globe. There’s no over limit fee and there are no foreign transaction fees. Additionally, there is no annual fee, which will make spending on the card even more affordable.

Benefits Of The Card

Earning cash back and saving money are major benefits of the card. There are many other benefits that you can take advantage of throughout the year as well. These are free for you to use and are simply there for your use at any time that you want to use them.
Such benefits are:

  • Account management tools
  • U.S. based customer support
  • Payment flexibility
  • Help after a job loss
  • Application is online

You can manage your account easily with various tools. This includes a mobile app as well as online account access. With these, you can get up to the minute information on your account, such as your available credit line and your balance. You can also schedule a payment. Online, you also have the ability to download statements and do much more.

There is U.S. based customer support for your convenience. At any given time in the day or night, you can call and talk to a live representative. This is the perfect opportunity to have any questions or concerns answered without waiting. You can find out about a charge or even ask for an increase to your credit line.

You have a lot of payment flexibility. When your payment is due, you have until midnight on the due date to pay it. You can make a payment on the account by mailing in a check, paying by phone or by paying online. If the due date is inconvenient for you, it’s possible to change it to a different date in the month going forward. This change can be made online or over the phone with customer support.

If you experience a job loss, making payments can become difficult. Discover will offer you assistance through lowering your rate, lowering your payment or offering some form of other assistance.

The application is online, allowing you to fill it out when you have time, wherever you might be. You can receive a credit decision within a minute or so and learn of your credit line. A credit card will then be expedited to you. This allows you to start spending right away – and saving money at the same time.

Conclusion

The time is here for you to take advantage of the credit card. In no time at all, you can have the card. This allows you to start buying what you need – and earning cash back with every purchase that you make with the Discover It card.

Non-Affiliate Offer Disclosure
Information about Discover It card has been collected independently by Market Pro Secure. The card issuer did not provide the details, nor is it responsible for their accuracy.
2019-09-17T06:58:42+00:00

Card of the Year

The Card of the Year 2019

ABOC Platinum Rewards Credit Card

News Cardholder Offer:

$150 Statement Credit

Card Most Attractive Features:

Bonus points, Intro rates, Late Payment Will Not Raise Your APR, No annual fee

at Other Issuers secure site

ABOC Platinum Rewards Credit Card

Things to Know About this Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that, the variable APR will be 14.65% - 24.65%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

Intro APR

0%*

Intro APR Period

12 months*

Regular APR

14.65% -24.65% (Variable)*

Grace Period

25 days*

Annual Fee

$0*

Credit Needed

Good*

at Other Issuers secure site



Card Offers to Consider

2019-09-17T06:58:42+00:00
Newsletter

Stay up to date with our latest news and products.

Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

ADVERTISER DISCLOSURE. Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don’t affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

EDITORIAL DISCLOSURE. Market Pro Secure® doesn't post any content that is provided or commissioned by our advertisers, the majority of which are financial product providers and credit card issuers whose offers we feature on our website. The entirety of our editorial content – including any opinions, analyses, reviews, and evaluations – belongs to the author alone, and has not been reviewed, approved, or otherwise endorsed by our advertisers.