All Discover cards offer free credit scores and free credit reports, updated monthly, plus free membership with no annual fees and surcharge-free international purchases with no foreign transaction fees. Most Discover cards are also interest-free for a certain number of months after account opening, on new purchases, balance transfers or both. There’s even some free mistake forgiveness, with no late fee for the first missed payment and no penalty APRs.
Because Discover cards all have no annual fees, it’s fair to consider the rewards they offer to be free perks, too. In addition to 1% - 5% back on purchases, depending on the card, Discover doubles the rewards that cardholders earn the first year, doling out that bonus after the first account anniversary. And, from time to time, buying eligible items on Amazon.com with a Discover card can get you a $10 rebate.
Not everything is free with Discover cards, however. Discover cards charge up to $39 for late fees, after your free first one. And if you transfer a balance to a Discover card, you’ll pay a fee of at least 3%. Also, it’s worth noting that you don’t need a Discover card to get free credit scores from Discover. Its Credit Scorecard service is free for everyone.
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