Discover it® Business Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 20.99% (Variable) (0% for the first 12 months)
Balance Transfer
12.99% ‐ 20.99% (Variable)
Rewards
1.5% cashback
Signup Bonus
-


7.9/10
Informr score
The Discover it® Business Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Discover it® Business Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Wirecutter

If you’re not confident you have the credit score to qualify for other picks, consider this new card from Discover. It charges no annual fee and offers a year of 0% APR on purchases plus top-rated customer service.

- Jenny Hoff, The Wirecutter
Investopedia

If you're a small-business owner looking for a straightforward rewards card for your routine expenses, the Discover it Business card is a smart choice. There's no need to worry about remembering spending categories, and you’ll earn 1.5% cash back on every purchase you make. Thanks to the bonus, your...

- Kat Tretina, Investopedia
NextAdvisor

Overall, the Discover it® Business Card is one well-rounded business credit card. Its Cashback Match bonus gives cardholders the opportunity to make the most of their purchases throughout the first year, then the uncapped 1.5% cash back allows them to continue earning solid cash back rewards on all...

- NextAdvisor
The Balance

The Discover it Business Card has some nice introductory offers, though the available rewards are modest after the first year. If your business is in growth mode, make sure to consider this card for any bigger investments you need to make in the short-term.

- Lindsay Vansomeren, The Balance
Compare Cards

The Discover it® Business Card is loaded with first-year value for business owners. You can earn an industry-leading cash back rate on everything you buy in your first year, with Cashback Match, and avoid the hassle of tracking categories with $0 annual fee. There are no minimum redemption for cash...

- Compare Cards

Details


Interest Rates
Regular APR Interest Rate 12.99% ‐ 20.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.99% ‐ 20.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00
  • Maximum
  • No late fee on your first late payment
Promotions
Sign up bonus No
Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Get a dollar-for-dollar of all the cash backs earned at the end of your first year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits

- Track Business Expenses

- Free Social Security Number Alerts

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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