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Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 221 Offer Ratings
Over the Past 60 Days!

(221) Over the Past 60 Days!

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  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 16.49% - 27.49% Variable APR.
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Regular Purchase APR 16.49% - 27.49% Variable APR
  • Intro Purchase APR 0% Intro APR for 15 months
  • Intro BT APR 0% Intro APR for 15 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Discover

Card Details

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty APR None

Ongoing Information

Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically

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 CompareCards.com Editorial Team

With the Discover it® Cash Back credit card you can 5% cash back on everyday purchases at different places each quarter like amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. plus, earn unlimited 1% cash back on all other purchases - automatically 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 cash back you earn during your first year of cardmembership.

Rewards never expire. Discover will credit your account with your Cashback Bonus balance if your account is closed or if you have not used your account within 18 months. 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® Cash Back credit card additionally offers new card members an introductory purchase APR of 0% Intro APR for 15 months from the date of account opening. After that, the purchase APR is 16.49% - 27.49% Variable APR. 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® Cash Back

  • 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® Cash Back 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

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Offer Rating

3.7/5.0

221 Total Ratings

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