Discover it® Cashback Match™ with No Annual Fee

Card Details

 

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3.7/5.0 from 248 Offer Ratings
Over the Past 60 Days!

(248) Over the Past 60 Days!

  • Cashback Match™

    We’ll match all the cash back you earn at the end of your first year.

  • EARN

    5% Cash Back in bonus categories and 1% cash back everywhere else.

  • Redeem

    Any amount, any time. Cash back rewards never expire.

  • Regular Purchase APR

    11.24% - 23.24%* (Variable)

  • Intro Purchase APR

    0% for 12 Months*

  • Intro BT APR

    0% for 12 Months

  • Annual Fees

    $0

  • Credit Needed

    Excellent/Good

Highlights

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

Late Payment Fees No late fee on your first late payment*

Foreign Transaction Fee 0%

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Cap 5% rewards categories cap at $1,500/quarter

Rewards Rate 5% on rotating categories & 1% on everything else

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

With the Discover it credit card you can earn a solid 1% cash back on all of your purchases, plus 5% of your purchases that are made in specially designated bonus cash back categories. The strong earnings categories change on a regular basis, but they typically include popular products and services related to travel, dining, groceries, and gas. As an exclusive offer, Discover will automatically match all of the Cashback you earn during your first year of cardmembership.

The cash back you earn won't expire as long as your account is open and in good standing, and it's very easy to redeem the cash back you've earned as a statement credit credit towards your account. You can also redeem the accumulated rewards by making a charitable contribution of your liking, or by converting them into purchase power for merchandise or gift cards.

The Discover it credit card additionally offers new card members a 0% introductory APR for 12 months from the date of account opening, followed by an APR 11.24% - 23.24% based on your creditworthiness. There is also no annual fee and no foreign transaction fees and a free FICO® credit score available online and with your monthly statements.

Expert Reviews of the Discover it® Cashback Match™ with No Annual Fee

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

The Discover it credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.

The Good

There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge sign up bonus in your first year.

The Not so Good

If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Discover.

Consumer Reviews

  • star rating mask

Offer Rating

3.7/5.0

248 Total Ratings

5 Star
 
 
(51)
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(109)
3 Star
 
 
(66)
2 Star
 
 
(16)
1 Star
 
 
(6)

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+222 users submitted a rating without a full review

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1 Found this review helpful

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By: | May 19, 2016

The Discover card is a great. If your having a problem and you need to call you actual talk to a human being. I think of all the cards out there the Discover is the best!

3 Found this review helpful

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By: | May 3, 2016

Awesome card with great benefits. Well worth it with no fee.

3 Found this review helpful

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By: | Oct 4, 2015

DISCOVER IT: The BEST CREDIT CARD OFFER EVER! I just applied a little over a month ago, and it has just being PERFECTION! Amazing top-of-the line customer service, and the offers and promotions are just to good to be truth… but THEY ARE!

9 Found this review helpful

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By: | Sep 5, 2015

Ridiculously high interest rates for excellent credit. I have an 804 credit score and as a reward, Discover approved me with an 18.99% interest rate. I hate to see what the interest rate would be if I had a score any less than 800. I did receive a 0% intro APR for the next year so I plan to use it until then and cancel. I refuse to pay that kind of interest when I have excellent credit.

5 Found this review helpful

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By: | Aug 17, 2015

We have had Discover card for many years and use to like it. Now we don't as much because the percent awards is not very good. Also they cancelled the Discover Gift cards that I always got with points as Christmas presents. Now I get more point rewards with a VISA card.

4 Found this review helpful

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By: | Dec 18, 2014

It gets 5 stars from me. Their personnel are tops to talk to, their response to any purchases that seem higher than usual is superb, they are #1 in my book and this goes back 10+ years. I use them for every expense as it's an easy way to see what I "spend in any given month". They are excellent!

3 Found this review helpful

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By: | Oct 27, 2014

No one compares to Discover. Their cash back categories are generous, they let you know in advance and allow easy sign up on-line. Customer service is commendable. I use my discover card 99% of the time -- once in a while a merchant doesn't accept it. Outstanding company, outstanding employees, outstanding service.

14 Found this review helpful

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By: | Oct 10, 2014

I love my Discover It card! It has a low APR and excellent customer service with minimal wait times!

12 Found this review helpful

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By: | Oct 8, 2014

Great card, customer service actually answers as opposed to an automated system. Cash back categories make sense and follow the season and holidays. For example, Oct-Dec you get 5% back on online shopping and dept stores. I have had this card for two years, I use it when making purchases online for the protection and the one time I had an issue with a merchant Discover handled it one hundred percent and I never had to get involved beyond making the initial phone call to customer service.

7 Found this review helpful

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By: | Oct 8, 2014

Best cash back card for online purchases. the amount of cash back is great like 10% on groupon or hotels.com. Also has very rewarding quarterly and other periodic promotions. The speed at which the cash back accrues is not a best feature of this card. Also there are limits on minimum that you can cash out.

12 Found this review helpful

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By: | Oct 7, 2014

I love that this card doesn't have an annual fee. 14 months at 0% APR is longer than most credit cards so I like that too. 5% on online purchases is AMAZING to me! I love shopping online and get rewarded to do so is a big bonus to me. One important thing to me is customer service. The fact that the call center is US based is perfect! This is a major factor to me. This card also allows you to get your free FICO score is another plus. I would highly recommend this card to anyone with good to excellent credit.

15 Found this review helpful

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By: | Oct 7, 2014

I love my Discover Card. I always be sure to sign up for the special 5% cashback which can really add up - every three months they change to a different category like online purchases, travel, gas, or grocery stores. I also really like the Shop Discover program - they have a huge number of retailers and on most you can get at least 5% cash back if you shop online through the Shop Discover site.

6 Found this review helpful

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By: | Oct 7, 2014

The cash back on this card is amazing, 1-20% on everything. As a student, I seriously looked into this card as my top choice. Unfortunately, I live in a relatively small town and a large amount of the stores and atms don't accept discover.

3 Found this review helpful

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By: | Oct 7, 2014

top notch at building your credit and establishing credit

10 Found this review helpful

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By: | Oct 7, 2014

I have dealt with Discover for years, both credit cards and personal loans. They are fantastic. Fraud protection is top notch. You never have to worry about a fraudulent charge, they will handle it. No foreign transaction fees is great too when traveling abroad, which I do quite often. With so many credit card options, no annual fee is a must and Discover is on board. Who doesn't want cash back? I do wish the categories aligned with my spending better but there are so many other benefits that I just use another cashback card when I have to.

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