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. 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 in 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.

  • Discover is accepted nationwide by 99% of the places that take credit cards.

  • View Rates and Fees

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 for 14 months on purchases and balance transfers

  • 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

$0 intro for the first year, then $95

Annual Fee

$0

Regular APR

11.99% - 22.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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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.