Review: Discover It Card

If you were looking for a starter card, here it is. The Discover It Card is a cash back card with no annual fee and almost anyone with little or no credit history (especially students) may be accepted. They also give you the opportunity to double up all your points in the first year. Of course, it’s a Discover Card so there are some limitations on who will accept it for payment (especially internationally). But let’s take a look under the hood.

Discover It Card

Discover It Card. Image Credit: courtesy of Discover.

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The Basics: an Introduction to the Major Credit Card Players


Credit cards have had a short but vital life in the US (and world) economic landscape. Not until 1958, with Bank of America’s Bankamericard, was a revolving credit financial system issued by a third-party bank finally established (to later become VISA in 1976). Things really took off from there. MasterCards’ early ancestor, Master Charge, popped up in 1966. Then Discover was introduced by Sears in 1986. And American Express introduced their first credit card in 1987 (after many years of being a charge card issuer where balances have to be paid in full every month). While I’m probably skipping over various important points in credit card history (which you’re not here for), here’s where the industry currently stands: Continue reading “The Basics: an Introduction to the Major Credit Card Players”