Discover it® Cash Back

Discover it® Cash Back

on Discover's website, or call 800-347-0264

Discover it® Cash Back

Discover it® Cash Back

Discover it® Cash Back

on Discover's website, or call 800-347-0264

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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.

  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • Every $1 you earn in cash back is $1 you can redeem.

  • Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

  • Click "Apply Now" to see terms and conditions.

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: 14.24%-25.24% Variable APR

    Cash Advance APR: 27.24%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

14.24%-25.24% Variable APR

Rates & Fees

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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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 14.24%-25.24% 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.