Discover it Cards Review: Pros And Cons 2023 (All You Need To Know)

If you are thinking about getting a new credit card, especially a rewards credit card then you need to weigh the catalog of Discover it® Card pros and cons.  There are a handful of card to choose from and we will cover each one and talk about what makes them great and some area where they can improve on as well.


Discover has done a great job marketing these cards and all their features which is no wonder more and more people are signing up for them. So let’s dive right in and check out the Discover it Card pros and cons.



Popular Question: Is There A Discover Metal Card?


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Discover it® Cash Back


This is a great cash back credit card that allows you to earn huge cash back bonuses on rotating categories that change every quarter. While most cash back credit cards announce what the bonus cash back category will be the quarter before it starts, Discover lets you know the entire calendar year of bonus cash back categories up front.


This way you will know well ahead of time what to plan for. There is a cap on the amount you can earn in bonus cash back each quarter, which can limit your rewards earnings, but it might still be worth it.


You will also earn an industry standard in cash back rewards on all other purchases as well as anything you go over the limit on in that quarters bonus cash back category. Also worth mentioning is the Cashback Match Discover offers. This is where they take all of the cash back that you earned in your first year and match it.


Essentially making it a great signup bonus. One drawback is that you have to actively go into your account each quarter and active the bonus cash back category. While this isn’t hard to do you have to set a reminder so you don’t miss out. Not a bad choice as far as credit cards and the Discover it pros and cons discussion.


Bonus Question: What About Discover it Gas And Restaurant Card Purchases?


Discover it® Balance Transfer


The Discover it Balance Transfer Card is one that has to be cover in the Discover it pros and cons discussion. It offers bonus cash back categories where you can earn extra cash back each quarter. But you have to remember to activate your offers in order to get the bonus. But it is well worth it because your bonus cash back can add up.


There is a cap on the bonus cash back you can earn each quarter, but after that you will earn a base level cash back reward along with all of the other purchases you make outside of the cash back bonus categories.


As far as balance transfer credit cards go you are getting an introductory rate for a length of time that rivals all other balance transfer cards, which can save you a lot of money. There is a balance transfer fee but you will be hard pressed to find a card that does not charge one. Then after you have your card for 1 year Discover will match all of the cash back rewards that you have earned helping take your cash back earnings even further.


Discover it® Miles


Of course we can not go without mentions Discover’s travel credit card in the Discover it pros and cons debate. With the Discover it Miles card you will earn an excellent rate on the miles you earn on every purchase you make. No need to juggle categories with this card. And at the end of your first year Discover will match all of the miles you have earned.


With the excellent base rate you are earning technically doubling at the end of your first year that means there is great rewards earning potential.  Your miles will never and there is no limit on the amount of miles that you can earn. One drawback is that you cannot transfer your miles to any airline frequent flyer mile programs, which is something that other travel credit cards offer.


Well there you have it. The great Discover it pros and cons breakdown for their main credit card offers. There is a lot to like with these cards but also (like anything else in life) there are somethings that they can improve on as well. But if you are looking for a new credit card then any of these options would be a great choice.