I recently applied for the Discover it® Card – – I had heard many reports that it is a solid credit card, and that what makes it particularly worthwhile is the 5% cash-back quarterly categories as well as the shopping portal, aptly called ShopDiscover. The Discover it® Card also doesn’t have an annual fee, and has a 0% APR for more than one year, which make it even more attractive.
Before applying, I surfed the internet to see if there were any special sign-up bonuses. I didn’t see anything, so I applied for the card and was immediately approved. In the interim, some deals for the card came to my attention, notably a $100 Amazon Gift card deal, and some possibly outdated statement credit offers. I felt that awkward twinge of perhaps-I-had-missed-something.
When I received the Discover it® Card and called to activate it, I spoke to an agent about my concerns. I said that I was having second thoughts about the card because I thought that I might have missed some better deals than the one I signed up for, or, in any event, maybe I should wait for a better offer to come along. He acknowledged the Amazon promo, but said that currently there were no such promotions directly from Discover. He nevertheless offered me a $50 statement credit. I said that I was interested, but before I accept or decline, that I’d like to speak to a supervisor about my concerns. The supervisor then came on the line, looked at my account, noted my great credit history, and offered me a $100 statement credit! Of course I accepted. I note that the agent and the supervisor were both extremely nice and professional.
For a good comparison of cards with 0% APR see this post by As The Joe Flies.
Note: If you are interested in applying for this card or the student version with $20 cash back, I’d appreciate if you could do it from the links below, which are referral links. I appreciate the support.