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Discover it® Cashback Match™

Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 1,016 Offer Ratings
Over the Past 60 Days!

(1,016) Over the Past 60 Days!

  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Regular Purchase APR 11.99% - 23.99% Variable
  • Intro Purchase APR 0% for 14 months
  • Intro BT APR 0% for 14 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good Credit

  • Card Brand Discover

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 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, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Rate 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.

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® Cashback Match™ credit card you can earn a solid 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases. 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® Cashback Match™ credit card additionally offers new card members an introductory APR of 0% for 14 months from the date of account opening. There is also no annual fee and no foreign transaction fees, as well as 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® Cashback Match™ 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 may not have been reviewed, approved or otherwise endorsed by Discover.

Consumer Reviews

  • star rating mask

Offer Rating

3.7/5.0

1,016 Total Ratings

5 Star
 
 
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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.

+978 users submitted a rating without a full review

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31 Found this review helpful

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By: | Aug 5, 2017

Customer Service IS GREAT!! Discover has been very good to me. They have really helped me reestablish my credit. Plus the 5% reward categories are nice! You just have to remember to activate them online. Very easy to do. 1% back on regular every day purchases, would be even better if they had 1.5-2% back on purchases? No annual fees. Many card designs to choose from and generous credit allowances. Overall, I have enjoyed using it. I LOVE this card!!!

92 Found this review helpful

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By: | Apr 8, 2017

Excellent card

155 Found this review helpful

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By: | Feb 17, 2017

A great way to rebuild my credit. In thr first 3 months of using and paying off my balances my credit scores has risen steadily and my line of credit has increased considerably.

165 Found this review helpful

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By: | Dec 17, 2016

A top 3 cash back card, and the best cash back card for online shopping. 5% cash back in practical shopping categories throughout the year (Changes categories every 3 months). Great online shopping cash back deals in their additional shopping portal. Also they have a very low redemption minimum ($0.01). Only weakness is that Discover It is not accepted everywhere; especially outside of the USA or small mom & pop stores.

169 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.

171 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.

162 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.

141 Found this review helpful

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By: | Sep 6, 2016

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

165 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!!!

166 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.

163 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.

176 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.

168 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.

2 Replies

By: Eileen Sedillo | Jun 27, 2016

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

By: Kathleen Vanni | Apr 4, 2017

This review was totally helpful. I have several credit cards and don't need more, except that some of the newer ones pay more in rewards. I was impressed when you compared it to Capital one as far as being hassle free. I have a Capital One card and it is absolutely hassle free and has the best customer service of any credit card that I know of, but I would like to get higher rewards and this cards sounds like it would be very superior in both rewards and customer service, so I guess it will make sense to add yet another credit card to all of the cards that I already own. Thanks for the review.

167 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!

143 Found this review helpful

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By: | May 3, 2016

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

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