Am I eligible?
To get this card, you must also:
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...
- Lindsay Vansomeren, The BalanceThe 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.
- Compare CardsThe 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...
- DeVonne Goode, CreditCards.comThe new Discover it® Business card isn’t as flashy as its competitors, but it does offer firm footing and incentives for business owners who want a simple experience. With a flat 1.5-percent cash back rate that’s doubled for the first 12 months, low intro APR and no annual fee, you can hit the groun...
- Jenny Hoff, The WirecutterIf 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.
- Taylor Tepper, The WirecutterDiscover markets the card as simple—and it is simple. You earn 1.5% on everything you buy (an amount that’s doubled the first year, as with many other Discover cards) without paying an annual fee, and you receive a 12-month 0% intro period for all purchases. Travelers abroad don’t have to worry abou...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.74% ‐ 22.74% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.74% ‐ 22.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.74% (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 |
$37.00
|
| 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 |
| Additional Benefits |
- Track Business Expenses - Free Social Security Number Alerts |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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Critic Reviews
Offers good value in the first year
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.
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.
An easy to use cash back card with a valuable sign-up bonus and generous 0% intro APR
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 c...More
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 back, which gives you flexibility to access your cash whenever you need it.
Straightforward and affordable card option
The new Discover it® Business card isn’t as flashy as its competitors, but it does offer firm footing and incentives for business owners who want a simple experience. With a flat 1.5-percent cash back rate that’s doubled for the first 12 months, low intro APR and no annual fee, you can hit the ground running.
The new Discover it® Business card isn’t as flashy as its competitors, but it does offer firm footing and incentives for business owners who want a simple experience. With a flat 1.5-percent cash back rate that’s doubled for the first 12 months, low intro APR and no annual fee, you can hit the ground running.
A solid cash-back card that doesn’t require a high credit score
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.
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.
No annual fee, one year of 0% APR on purchases, and top-rated customer service
Discover markets the card as simple—and it is simple. You earn 1.5% on everything you buy (an amount that’s doubled the first year, as with many other Discover cards) without paying an annual fee, and you receive a 12-month 0% intro period for all purchases. Travelers abroad don’t have to worry about foreign-transaction fees.
Discover markets the card as simple—and it is simple. You earn 1.5% on everything you buy (an amount that’s doubled the first year, as with many other Discover cards) without paying an annual fee, and you receive a 12-month 0% intro period for all purchases. Travelers abroad don’t have to worry about foreign-transaction fees.
Can be a lucrative pick for businesses
If you know you’ll have a lot of big expenses over the course of your first year, the Discover it Business Card can be an appealing choice. But it pays to do the math. Many other cards can offer better value in the long term, especially if you’re willing to pay an annual fee or keep track of tiered bonus categories.
If you know you’ll have a lot of big expenses over the course of your first year, the Discover it Business Card can be an appealing choice. But it pays to do the math. Many other cards can offer better value in the long term, especially if you’re willing to pay an annual fee or keep track of tiered bonus categories.
A great card for essential business purchases
It’s a solid business card that allows you to earn cash back on all purchases. However, its anemic benefits do reduce the card’s value.
It’s a solid business card that allows you to earn cash back on all purchases. However, its anemic benefits do reduce the card’s value.
A simple credit card that lets you earn unlimited cash back
The Discover it Business Card could be valuable to any business that wants to earn cash back on its purchases. But to get the most of your card, you may want to use it to make large purchases during your first year and earn 3% back rather than the standard 1.5%. This is the highest cash back you...More
The Discover it Business Card could be valuable to any business that wants to earn cash back on its purchases. But to get the most of your card, you may want to use it to make large purchases during your first year and earn 3% back rather than the standard 1.5%. This is the highest cash back you can earn on all purchases with a no-annual-fee card.
Your business can likely find a better credit card offer
The Discover it Business Card isn't a bad credit card for your business, but when compared to other leading cash back business cards, it falls short. It offers a cash back rate that's slightly below what the best card in the space offers. However, the card can be a solid pick for businesses expe...More
The Discover it Business Card isn't a bad credit card for your business, but when compared to other leading cash back business cards, it falls short. It offers a cash back rate that's slightly below what the best card in the space offers. However, the card can be a solid pick for businesses expecting abnormally large expenses during their first year with the card, thanks to its great sign-up incentive.
Still a solid card option many business owners should consider
If you’re in the market for a business credit card and don’t want to pay an annual fee, give the Discover it Business credit card a second look. You’ll earn a flat 1.5% back for each dollar your business spends and Discover promises to match the rewards you earn in the first 12 months. It’s hard to beat that.
If you’re in the market for a business credit card and don’t want to pay an annual fee, give the Discover it Business credit card a second look. You’ll earn a flat 1.5% back for each dollar your business spends and Discover promises to match the rewards you earn in the first 12 months. It’s hard to beat that.