Discover

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 16.24% - 27.24% Variable, with interest-free introductory periods available on some cards.

Discover Credit Card APRs

• Discover it® Secured Credit Card: 27.24% Variable
• Discover it® Student Cash Back: 17.24% - 26.24% Variable
• Discover it® Student chrome: 17.24% - 26.24% Variable
• Discover it® Cash Back: 16.24% - 27.24% Variable
• Discover it® Miles: 16.24% - 27.24% Variable
• Discover it® chrome: 16.24% - 27.24% Variable
• NHL® Discover it®: 16.24% - 27.24% (V) (this offer is not currently available on WalletHub and may be out of date).

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.

There are several ways to reach Discover it Cash Back customer service, including by phone, live chat, and mail. But there aren't unique options for each of the various Discover credit cards. All questions go through Discover's general customer service department. But you'll be able to talk to an actual U.S.-based representative whenever you call. And there's a wide range of contact methods aside from the telephone.

Here's how to reach Discover it Cash Back customer service:

• Phone: 1-800-347-2683. You can call this line 24 hours a day with any questions you have about your card or account in general. If you're located outside of the U.S., you should instead call 1-224-888-7777. The Telephone Device for the Deaf (TDD) number is 1-800-347-7449.
• Live chat: If you'd prefer to type out your questions (and get a written record), you can use Discover's live chat instead. All you have to do is log into your account for this to work.
• Twitter: You can send questions to @Discover.
• Facebook: Discover's Facebook Page lets you securely (and privately) message Discover customer service.
• Mail: This will obviously be the slowest method of contact, but you can send any general correspondence to Discover's mailing address: Discover Financial Services, P.O. Box 30943, Salt Lake City, UT 84130-0943.                                    

Discover's customer service is also 100% U.S.-based, so you won't be transferred to any overseas call centers. If you're looking for good customer service, Discover is among the best of the best. It's been the number one credit card company for customer satisfaction three years running, according to J.D. Power and Associates. Discover's WalletHub Satisfaction Score of 93.32 also ranks 5th among major credit card issuers.

The lowest Discover Card annual fee is $0 and this applies to all Discover credit cards. Whether you go for Discover it® Secured Credit Card, Discover it® Student Cash Back, Discover it® Miles or any other card, you'll never pay a cent just for having it. That means you won't have to worry about spending enough to get your money's worth through rewards. Anything you earn will go right into your pocket.  

Given that all Discover cards have no annual fee (and pretty similar names), their rewards and APRs are their biggest distinguishing factors. They're identical otherwise, including the other fees they charge.

Major Discover Card Fees:

• Annual fee: $0
• Foreign transaction fee: 0%
• Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
• Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
• Maximum late fee: $41
• Card replacement/design change fee: $0

So, the only times Discover card fees will come into play are if you're late making your minimum payment, if you transfer a balance, or if you use your card like a debit card to take out a cash advance. And even your first late payment won't incur a fee.  

Discover it® Student Cash Back is aimed at applicants with limited credit, who can provide proof of student status. Discover does not publicly disclose any other requirements.

The Discover it Cash Back referral system is an easy way to earn up to $500 in extra rewards each year. All you need is a referral link, which only takes a few minutes to get, plus some friends or family members who are interested in opening a new credit card account.

Here's how to get the Discover it Cash Back referral bonus:

• Go to Discover's website.
• Log into your Discover account.
• Enter your referrals' email addresses or share your referral link on social media.

You will receive $50 cash back for every person who uses your referral link to get a Discover credit card. Keep in mind that you can get referral bonuses for up to 10 people per year.

That means you can earn up to $500 per year from referrals alone. That's like a great initial bonus every single year. But you need to know a lot of people who are in the market for a new credit card.

Fortunately, there's a lot to like about Discover cards, so it should be a pretty easy sell. Plus, each individual you refer will also get $50 if they make a single purchase within three months of account opening.