10 tracked perks. Here's everything this card actually offers — structured and kept current.
Discover waives the late payment fee the first time a cardholder misses a payment due date.
The Discover it card carries no annual fee, making it free to hold year after year.
Discover it charges no foreign transaction fees on purchases made outside the United States.
Discover it does not impose a penalty APR for late payments, so the cardholder's interest rate is not raised as a penalty.
Discover provides around-the-clock U.S.-based customer service, allowing cardholders to speak directly with a live agent at any time.
Cardholders are not responsible for unauthorized purchases made with their Discover it card.
Cardholders can view their FICO credit score for free on monthly statements and online through Discover's Credit Scorecard tool.
Cardholders can instantly freeze and unfreeze their account via the mobile app or website to prevent new purchases, cash advances, and balance transfers if the card is misplaced.
Discover monitors thousands of Dark Web sites for the cardholder's Social Security number and sends an alert if it is found.
No Annual Fee
The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.
See the API response shapeQuery this card and every other through one clean API — every field carries a confidence score, last-verified date and source.
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