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Discover it® Business Card

Discover it® Business Card


Rated 4.5/5 stars by our editorial team

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4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!

  • Regular Purchase APR 15.24% to 23.24% Variable
  • Intro Purchase APR 0% for 12 Months
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed


  • Card Brand Discover

Card Details


  • INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There’s no signing up. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match®.
  • Earn 1.5% cash back on every dollar spent on all purchases.
  • Redeem your cash back for any amount, any time. Your rewards never expire.
  • Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
  • Add up to 50 free employee cards.
  • No annual fee.
  • 100% U.S. based customer service. Talk to a real person at any time, day or night.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 5%

Ongoing Information

Rewards Rate 1.5% cash back on every dollar spent on all purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

Business owners earn a solid 1.5% cash back on every dollar spent on all purchases. Then, the lucrative first-year sign-up bonus means you’ll double the cash back earned in your first year.  That essentially turns your cash back rewards earning rate to 3% for the first year you are a cardholder, with Cashback Match. If you plan to pay for a slew of business expenses with a new card, the Discover it® Business Card could deliver a higher rate of cash back than other cards on all spending in your first year.

If cash flow is tight, the 0% for 12 Months on purchases means you can take your time paying down your balance with no interest piling up during the intro period, then 15.24% to 23.24% variable APR. That’s a bonus for many business owners.

Expert Reviews of the Discover it® Business Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 5.0


  • 5.0


  • star rating 4.5/5

    Overall Rating

The Bottom Line

This is an easy to use cash back card with a valuable sign-up bonus and generous 0% intro APR on purchases. The Cashback Match could deliver a sizable chunk of capital to invest back into your business.

The Good

The Discover it® Business Card is loaded with first-year value for business owners. You can earn an industry-leading cash back rate on everything you buy in your first year, with Cashback Match, and avoid the hassle of tracking categories with $0 annual fee. There are no minimum redemption for cash back, which gives you flexibility to access your cash whenever you need it.

The Not so Good

Other cards offer upfront sign-up bonuses. You’ll have to wait until the end of your first year to get your Cashback Match.

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

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