The Discover it APR depends on which Discover credit card you get, along with your credit history, income, debt and other factors. Overall, Discover credit card APRs have a range of 14.24% - 25.24% Variable, with interest-free introductory periods available on some cards.
Discover Credit Card APRs
As you can see, some Discover cards advertise their APR as a range. The rate you ultimately receive could be one of those extremes or anywhere in between. It all depends on how creditworthy Discover thinks you are.
But those aren't the only Discover APRs. Each Discover card also has a balance transfer APR and a cash advance APR. Some even offer 0% introductory APRs on purchases and/or transfers (followed by the regular APR). You should avoid doing a cash advance except in emergency situations, so I won't even get into that. But 0% intro rates are important if you don't plan to pay your bill in full every month.
APRs, though, are really only a consideration when you don't pay your bill in full every month. The best way to avoid them is to not spend more than you can afford to pay off. But there may come a time when you need emergency financing. In that case, it's best to get a card with an introductory 0% APR. That way, you'll be able to hold a balance for a period of time and still have a chance to pay it off before you owe any additional money.