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Discover it® Cashback Match™

Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 415 Offer Ratings
Over the Past 60 Days!

(415) 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 14 Months*
  • Intro BT APR 0% for 14 Months
  • Annual Fees $0
  • Credit Needed

    Excellent/Good Credit

  • Card Brand Discover

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • 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 each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • 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 None

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 14 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™

  • 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

415 Total Ratings

5 Star
 
 
(88)
4 Star
 
 
(175)
3 Star
 
 
(113)
2 Star
 
 
(28)
1 Star
 
 
(11)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

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.

+381 users submitted a rating without a full review

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6 Found this review helpful

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By: | Oct 31, 2016

This card is for real! At the end of my first year just like it says. Got a match amount of rewards cash in excess of $600. I was blown away by it. Try it you like it. You have to go in to look at your account as with any charge card and thats when i check off the rotating rewards that I want. Its very simple and takes no time at all.

4 Found this review helpful

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By: | Oct 24, 2016

Easy access to a customer service person who ALWAYS speaks clear ENGLISH!! Very kind and helpfull. We have had this card since 1992 and have had absolutely PERFECT service at all times. I would give them a "10" star rating IF I could.

7 Found this review helpful

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By: | Oct 14, 2016

I have used the Discover it Cashback Match card for the past 2 years and have been nothing short of satisfied with this card. I consider myself pretty thrifty--I use coupons regularly, I recycle my children's clothing and buy nice used clothing, but NOTHING beats cash back on my everyday purchases. Literally nothing. I was shocked to read some of the other reviews for this card to see that people claimed that they had a high interest rate. Definitely call them if that's the case, mine is relatively low and while I don't have bad credit, I don't have perfect credit either. I've never had a need to contact their customer service but I have a friend who has and was very happy with the level of service she received.

8 Found this review helpful

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By: | Sep 6, 2016

I really like it, and you should also try it today

15 Found this review helpful

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By: | Aug 18, 2016

I have used Discover Card for many years. Because I do pay in full each month (and on time) by the designated date I have enjoyed quite a number of years of enjoying the bonus that accumulates until I am ready to redeem any part of my bonus that has accumulated. Yes, I am one happy camper!!!

22 Found this review helpful

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By: | Aug 10, 2016

Have been with Discover for 25+ years and have been very satisfied with this card. Never have not had a problem with the service. I use my cash back rewards for gift giving. I also enjoy received my credit score each month. It is a good way to keep track of credit activity. I five this card a 5 star rating easily.

21 Found this review helpful

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By: | Jul 13, 2016

You get an email long before the next quarter activation is required. I use the cash back bonus on discounted gift cards for Christmas gifts. I think it is the best card. Disputed charges are handled with ease.

25 Found this review helpful

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By: | Jul 6, 2016

I will have to give thanks for Discover Credit card. The only hold back is that the interest rate is a bit high. But unlike BofA, they will genuinely work with you when things go wrong. I've been with Discover for almost ten years. when I lost my job, they really worked with me, they enrolled me in a lower payment program which also resulted in a lower interest rate. their customer service is also excellent.....they waived my interest from the previous month. it happened in a time when I really needed it.

26 Found this review helpful

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By: | Jun 15, 2016

Excellent benefits. Excellent service. Super convenient. Other than Capital One, no other company has provided me less hassles than Discover. This card has some of the best rotating categories for 5% CB, and you can redeem hassle-free at any time. The website is clean and easy to use. You also get a free monthly credit score. I use it in conjunction with my Sallie Mae and Citibank Double Cash cards.

1 Reply

By: Eileen Sedillo | Jun 27, 2016

What does that mean "rotating categories"? Your the second person I've heard mention that phrase.

31 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!

14 Found this review helpful

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By: | May 3, 2016

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

21 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!

25 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.

14 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!

18 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.

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