INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, 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
Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
0% on Purchases and Balance Transfers for 14 months
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
Recommended credit score
By Ben Luthi
Editor's overall rating
Pros and cons
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
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: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
It also gives cardholders an early break on interest with 0% 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.