The Discover IT card has now been around for a year. Payments.com had an interview with a senior Discover executive who described how the card features came about. As many of us know the IT card has a few features that are both popular and rarely seen, among which are: No late fees; No overlimit fees; Free monthly FICO score; A rebate system that includes period "specials", extra rebates in a specified category. Not so rare but welcome: No annual fee. http://www.pymnts.com/briefing-room...14&utm_campaign=January+8+NL&utm_medium=email This is one of the best consumer values around. For the record I do have one of these myself and I have a business relationship with Discover. Thus, I do not think I am biased but neither can I claim 100% third party objectivity.