Discover it® Business Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.24% ‐ 23.24% (Variable) (0% for the first 12 months)
Balance Transfer
15.24% ‐ 23.24% (Variable)
Rewards
1.5% cashback
Signup Bonus
-


7.5/10
Informr score
The Discover it® Business Card currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 10 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...


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
CreditCards.com

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 groun...

- DeVonne Goode, CreditCards.com
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
The Wirecutter

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 abou...

- Taylor Tepper, The Wirecutter
NerdWallet

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...

- Robin Saks Frankel, NerdWallet

Details


Interest Rates
Regular APR Interest Rate 15.24% ‐ 23.24% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 15.24% ‐ 23.24% (Variable)

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

Cash Advance Interest Rate 27.24% (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
  • 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
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
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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


Compare Cards

An easy to use cash back card with a valuable sign-up bonus and generous 0% intro APR

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 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.

Read full review

Less

CreditCards.com

Straightforward and affordable card option

from CreditCards.com

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.

Read full review

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.

Read full review

Less

The Wirecutter

A solid cash-back card that doesn’t require a high credit score

from 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.

Read full review

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.

Read full review

Less

The Wirecutter

No annual fee, one year of 0% APR on purchases, and top-rated customer service

from The Wirecutter

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.

Read full review

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.

Read full review

Less

NerdWallet

Can be a lucrative pick for businesses

from NerdWallet

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.

Read full review

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.

Read full review

Less

Credit Card Insider

A great card for essential business purchases

from Credit Card Insider

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.

Read full review

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.

Read full review

Less

Finder

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.

Read full review

Less

ValuePenguin

Your business can likely find a better credit card offer

from ValuePenguin

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.

Read full review

Less

The Simple Dollar

Still a solid card option many business owners should consider

from The Simple Dollar

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.

Read full review

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.

Read full review

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Credit Cards Explained

Great cash back along with tools to help you run your business

from Credit Cards Explained

The Discover it Business Card is a solid small business rewards card from a very trusted card issuer. If you are looking for competitive rewards from a small business card, with no annual fee, then you should consider the Discover it Business Card.

Read full review

The Discover it Business Card is a solid small business rewards card from a very trusted card issuer. If you are looking for competitive rewards from a small business card, with no annual fee, then you should consider the Discover it Business Card.

Read full review

Less

User Reviews


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