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discover-it-card-blog · 10 years ago

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Discover it Card Listed as Top Credit Card on MyRatePlan.com

MyRatePlan.com just released its list of the top credit cards that offer free FICO scores. A FICO score is a crucial part of a consumer's credit profile. The score consists of a numerical figure that establishes a person's creditworthiness. Such a score can give a consumer the ability to obtain a wide range of credit products. A consumer can closely watch his or her progress in the credit world by obtaining a credit card that offers a free FICO score. He or she can then develop strategies to keep the score elevated.

The experts at MyRatePlan.com used an elaborate and thorough rating system that included criteria such as consumer reviews, expert opinions, features, benefits, availability and more. The following are the top credit cards that issue free FICO scores according to MyRatePlan.com:

Discover it

The Discover it credit card is a product that the Discover Company released for consumers who want the highest level of customer service and a smorgasbord of features and benefits. The Discover it card does not just provide its cardholders with a free monthly FICO score. Cardholders can enjoy benefits such as the ability to earn 5 percent cash back on certain purchases. The card also gives leniency to cardholders who come across rough times. A person who becomes unemployed during the course of his or her time with the card can request a lower monthly payment or a lower interest rate.

Cardholders who make a late payment do not have to stress about penalties. Discover allows them one late payment with no fee, and the company will never raise their annual percentage rate for such an error.

A Discover it cardholder can use his or her card at more than 9 million retail locations. Additionally, customer service is available 24 hours a day and seven days a week. Customer service agents are based in the United States, and they are willing to guide a cardholder through any question or crisis.

Discover it chrome

The Discover it chrome card is a special treat for online shoppers. Cardholders who prefer to conduct their shopping online can earn up to 20 percent cash back in more than 200 online stores. They can then use their cash back earnings at Amazon.com. Amazon.com is a huge marketplace that has everything that a shopper could possibly need.

The Discover it chrome card offers a free FICO score and several other rich features such as online and mobile account access, no annual fee, no over-the-limit fee, $0 fraud liability, midnight bill payment options, and 2 percent cash back on gas and restaurant expenses. The Discover it chrome card is an elite product with a wealth of consumer-friendly offerings.

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Barclaycard Arrival World MasterCard

The Barclaycard Arrival World MasterCard is a special card for consumers who love to travel. Along with a free FICO score, the card offers users the ability to earn one bonus point for every dollar they spend. Certain expenses such as travel expenses and restaurant expenses earn them two points per dollar. Additionally, new cardholders can earn 20,000 points if they spend $1,000 within the first three months.

Cardholders can use their accumulated points to receive major discounts on airline travel. The Barclaycard Arrival World MasterCard is an excellent card for a businessperson or a person who enjoys taking frequent vacations to exotic lands. The Barclaycard Arrival World MasterCard carries no annual fee, and it has enjoyable features such as a 0 percent annual percentage rate for the first 12 months.

The travel miles that a person earns through the credit card program never expire. Additionally, a cardholder can earn 10 percent miles back every time he or she redeems travel credits. The Barclaycard Arrival World MasterCard seems to be a product that keeps on giving rewards to its owner.

MyRatePlan.com is a trusted site that connects consumers with the products and services that can best benefit them. Consumers can find the best deals on cell phone plans, credit cards and more through the experts at MyRatePlan.com. Such experts use vigorous and extensive research strategies so that modern consumers can have access to the most convenient products on the market.

Source: MyRatePlan.com

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discover-it-card-blog · 10 years ago

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Discover it Card Review - 2014

The Discover it® Card is a newly revamped cashback credit card issued by Discover Financial, and I think it's time for me to update this review to reflect its latest features and benefits. It is one of my favorite credit cards when it comes to 0% intro APR offers on purchases and balance transfers, in addition to its great cash rewards program. As a rewards card, it lets you earn cash rebates in return for your spending, so it's really like having a discount card with you.

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Things We Like About This Card

No annual fee. Enjoy the cash back rewards and other exclusive cardholder benefits of this card at no charge at all.

0% introductory APR on balance transfers. For the first 14 months, you will enjoy a 0% introductory APR on all balance transfers. This is a good deal if you plan to take advantage of the intro 0% balance transfer by transferring your high-interest credit card debt or store card debt to this new card account, so that you pay ZERO interest on your transferred balance for 14 months! This allows you to pay off your existing debt faster as you stop paying interest on it. After the 14 months, your variable balance transfer APR will be 10.99% – 22.99%, depending on your credit score. Make sure you can pay off all your debts within the 14 months so that you won’t incur the higher non-promotional interest rates. Balance transfer fee is 3%.

This card also comes in another version which offers 0% intro APR on balance transfers for 18 months and 0% intro APR on purchases for 6 months. After the intro periods there's a 10.99%-22.99% variable APR for both balance transfers and purchases. Besides this difference in promotional period, all other card features are the same. To get this Discover it Card - 18 Month Balance Transfer Offer, click here to apply online.

0% introductory APR on all your purchases. You will also enjoy the benefit of having a 0% introductory APR on all your purchases for 14 months, after that you will have to pay the standard variable purchase APR, which is 10.99% – 22.99% depending on your credit score. This 14-month period of 0% APR on purchases is a very good offer as it is one of the longest offered by credit card companies in the US. So if you are thinking of buying a big ticket item, and have 14 months to pay it off interest-free, you'll make the most out of this card.

Receive up to 20% cash back on purchases made at Discover's online shopping mall. Earn from 5%-20% cash back on purchases made online at Discover's online mall.

Earn 5% Cashback Bonus in rotating categories. This is another attractive benefit this card will offer you. It can help you save a lot of money by giving you 5% cash back in rotating categories such as gas, travel, restaurants, etc, which change throughout the year. Important note: You must sign up (it's free and you can do it online or through the phone) for each 5% program! If you spend more than the specified amount for each 5% program, the excess will automatically earn 1% cash back.

Here are the 5% cash back categories for 2014:

- Jan-March: Restaurants and movies. You will earn 5% cash back on a maximum of $1,500 spent in these categories, which equals $75! Any excess will earn you 1% cash back.

-April-June: Furniture stores, Bed Bath & Beyond, and home improvement stores. You will earn 5% cash back on up to $1,500 spent in these categories, and 1% cash back thereafter.

-July-September: Gas stations. You'll earn 5% cash back on the first $1,500 you spend on purchases in this category, and 1% cash back after exceeding this amount.

-October-December: Online shopping and department stores. 5% cash back on up to $1,500 of combined quarterly purchases in this category, with 1% cash back on purchases above that cap.

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Receive 1% unlimited cash back on all other purchases. You will receive an unlimited 1% rebate on all the rest of your purchases. This includes the excess of purchases in the quarterly rotating categories. This is a new benefit that's greatly improved from the previous version when it used to offer 0.25% rebate on the first $3,000 spent on the card, and then 1% thereafter. Now, it's 1% flat on all other purchases! We give it a thumb's up.

Redeem Cashback Bonus for gift cards, merchandise, or cold hard cash in the form of a direct deposit to your bank account or a credit to your Discover it card account in $50 increments, starting at $50. What we like about their cash rebates is that you can double the value of your rebates by redeeming them for certain gift cards (over 100 partner stores). To give you some examples, a $40 rebate can be redeemed for a $80 Carnival Cruise or $80 Celebrity Cruises gift card or instant eCertificate; a $40 rebate can be redeemed for a $100 certificate from Hyatt Hotels & Resorts; a $20 rebate can be exchanged for a $40 Samsonite gift card!

Up to double Cashback Bonus. You can earn up to a double Cashback Bonus when redeeming your rebates for gift certificates from participating retailers. (See above)

Use your Cashback Bonus to pay directly at Amazon.com when you link your account to it. What's great about this is that you can use any amount, and there is no minimum spending required! Since I frequently shop at Amazon.com, I find this to be a great tie-up.

Earn rewards for paying your monthly household bills with your card. Set up automatic recurring payments for your cable, cell phone, insurance, internet etc on your Discover it Card, and you earn Cashback Bonus with every bill you pay! View your FICO® Credit Score for free each month. This is a new perk Discover offers, in which you can view your Credit Score every month for free on your monthly statement. This will help you keep track of your Credit Score for free!

You’ll be alerted if your account experiences unusual activity. Your account is monitored every day, and you’ll be alerted either by phone, text or email if any unusual purchases are made. You will never be responsible to pay for unauthorized purchases made with your card.

No foreign transaction fee. When you use this card outside the U.S. or when you pay in a different currency, you won't be charged any foreign transaction fee, a fee that most other credit cards will charge you when you do that.

No penalty APR. With other credit cards in the U.S., your APR gets bumped up to a ridiculous rate when you don't pay on time, in addition to a late fee. But with this card, your APR won't be increased at all when you pay late. Only this and the Citi Simplicity Card have this new benefit. Plus, for your first late payment, you won't have to pay any late fee.

U.S.-based call center service. They will answer your call in seconds, and you get to speak to a real person no matter what time of day or night.

Balance transfer fee of 3%. This is a relatively low balance transfer fee you have to pay when transferring your balance from another credit card account to this account. The 0% intro APR on balance transfers for the first 14 months gives you the opportunity to pay off your existing credit card debt without interest within 14 months (variable APR for balance transfers is 10.99% - 22.99% after that).

Flight accident insurance. This credit card can also be very useful for your travels since it provides up to $500,000 in flight accident insurance, as well as car rental insurance and many fraud and security protection services.

$0 Fraud Liability Guarantee. If there are any unauthorized transactions on your Discover it card, you won't have to pay a single cent for it!

Our Least Favorite Things About This Card

No sign-up Bonus cash back. Unlike some other credit cards such as Chase Freedom®, this card doesn't let you earn a Bonus cash back when making your first purchase or when spending a certain amount on purchases within the first few months.

Our Verdict:

4.90/5 Stars

If you would like to get 14 months of 0% intro APR on purchases and balance transfers as well as earn great cash back on your purchases, you should consider getting the Discover it Card. It is a solid cash back card to have since you can save quite a lot of money through rebates, and redemption is easy through the many different options.

If you prefer a card that offers a Bonus promotion, you might want to consider Chase Freedom® (read our review of Chase Freedom) which lets you earn a $100 Bonus after you spend $500 on purchases within the first 3 months from account opening. It also gives you a minimum of 1% unlimited cash back on all purchases and 5% cash back on quarterly rotating categories, up to $1,500 in combined purchases per quarter.

The Discover it Card is also very good for balance transfers, since you get 0% intro APR for balance transfers for the first 14 months. You might want to make a note on your calendar when the 0% APR on purchases and balance transfers end, so that you can budget your spending in advance and avoid the standard purchase and balance transfer APR of 10.99% - 22.99% (variable).

It is also one of the best cash back cards as you can get 5% cash back on different categories throughout the year. You might also want to consider carrying a few different cash back cards so as to maximize your rebates when a particular card has a higher rebate on a certain category. Also, since it doesn't charge any foreign transaction fee or any penalty APR, it already is differentiating itself from other cashback cards in the market. Because of all these new features, we highly recommend this Discover it Card. Apply online now and you'll get a response within 60 seconds.

Click here to go to Discover's official website to apply online for Discover it Card now.

Source: get.com

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