This is an excellent opportunity for new cardholders to pay down existing debt. ![]() It also offers an introductory 0% APR on balance transfers for 14 months. Introductory APR: Discover It has an introductory 0% APR on purchases for 14 months (after that, a 17.24% - 28.24% Variable APR, depending on your creditworthiness).You don't owe a late fee on your first late payment, and Discover never increases your card APR because of late payments. Late payment leniency: If you ever miss a payment on the card, Discover is quite lenient.In addition, many of the annoying usage fees charged by other credit cards don't apply to the Discover It: there are no overlimit fees, pay by phone fees, or foreign transaction fees. There's no annual fee, which can save you quite a bit of money each year compared to what you could be paying elsewhere. Low fees: There are very few fees associated with the Discover It card.For example, you can redeem $40 in rewards for a $50 gift card from some retailers. In particular, the ones that offer extra money. Tip: In our opinion, the best value is redeeming for gift cards from select retailers. October - December 2014: Online Shopping and Department Stores.April - June 2014: Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond®.January - March 2014: Restaurants and Movie.October - December 2015:, Department Stores, and Clothing Stores.July - September 2015: Home Improvement Stores, Department Stores, and.April - June 2015: Restaurants and Movies.January - March 2015: Gas Stations and Ground Transportation.October - December 2016:, Department Stores and Sam's Club.July - September 2016: Home Improvement Stores and.April - June 2016: Restaurants and Movies.January - March 2016: Gas Stations and Ground Transportation. ![]()
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