Add cards to start comparing.

Compare Cards
Featured On
  • CNN Money logo
  • Forbes logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert

Discover it® Cashback Match™

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 620 Offer Ratings
Over the Past 60 Days!

(620) Over the Past 60 Days!

Card Details

  • 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 Credit

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% 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.
  • FICO® Credit Scores for free on 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 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™

  • 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

620 Total Ratings

5 Star
 
 
(133)
4 Star
 
 
(258)
3 Star
 
 
(170)
2 Star
 
 
(42)
1 Star
 
 
(17)

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.

+590 users submitted a rating without a full review

Sort by:

4 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

10 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

12 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

13 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

17 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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!

9 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | May 3, 2016

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

15 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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!

34 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

3 Replies

By: Juliet Roberts | May 30, 2016

You should certainly go ahead and give them a call since I have and 800 and I have a lower intereset rate. Don't ditch them, its a really great card, I've been with for 4 yrs and I have gotten loads of cash back, live customer service.

By: Jamal OSo Crooms | Jun 21, 2016

I also received a lower interest rate and my credit score is 690

By: Artha Kinkaid Shollenbarger | Aug 4, 2016

I haven't paid a dime of interest in over 15 years and I use my credit cards for every purchase. If you pay it off monthly you don't have to worry about the interest rate.

19 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

9 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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!

10 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

19 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 10, 2014

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

14 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

12 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

14 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

Page:

Back to top ↑