Discover it® Cash Back
on Discover's website, or call (800) 347-0264
Discover it® Cash Back
Card details
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-5%
Bonus offer
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Intro APR
0% intro APR on Purchases and Balance Transfers for 14 months
Ongoing APR
APR: 11.99% - 22.99% Variable APR
Cash Advance APR: 24.99%, Variable
Balance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR13.99% - 23.99% Variable APR | ||
Intro APR0% intro APR on Purchases and Balance Transfers for 14 months | Intro APR0% intro APR on Purchases for 12 months | Intro APR0% on Balance Transfers for 18 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
By Ben Luthi
Rating details
4.8
Editor's overall rating
Pros and cons
Pros
Cash back match at the end of your first year
Bonus cash back categories
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
If you value simplicity, a flat rate cash back card may be better
If you're looking for a credit card with stellar cash-back rewards, a decent 0% APR introductory period, great extra perks, or all of the above, the Discover it® Cash Back has what you're looking for.
The card offers 5% cash back on quarterly rotating categories that you activate, on up to $1,500 in spending per quarter, and 1% cash back on all other purchases. Plus, it offers a great sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
It also gives cardholders an early break on interest with 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR.
Add to that free access to your FICO® score and a $0 annual fee. All things considered, the Discover it® Cash Back stacks up nicely against the competition. For more information, read our full review.
