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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 532 Offer Ratings
Over the Past 60 Days!

(532) Over the Past 60 Days!

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  • 0% Intro APR 0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable.
  • Rewards Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. *
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • Regular Purchase APR 11.99% - 22.99% Variable
  • Intro Purchase APR 0% for 14 months
  • Intro BT APR 0% for 14 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. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 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)*

Penalty APR None

Ongoing Information

Rewards Rate Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, 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 earn 5% cash back on everyday purchases at different places each quarter like amazon.com, grocery stores, restaurants, gas stations and when you pay using paypal, 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% for 14 months from the date of account opening. After that, the purchase APR is 11.99% - 22.99% Variable. 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

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