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. You could turn $150 cash back into $300.
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 in any amount, any time. Rewards never expire.
NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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. You could turn $150 cash back into $300.
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Ongoing APR
APR: 12.24%-23.24% Variable APR
Cash Advance APR: 25.24%, 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
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APR0% intro APR for 15 months on purchases and balance transfers | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Ben Luthi
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
4.9
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period
Bonus categories
Cash rewards
Cons
Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad
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. You could turn $150 cash back into $300.
It also gives cardholders an early break on interest with 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 12.24%-23.24% 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.
