Add cards to start comparing.

Compare Cards
Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured

Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 274 Offer Ratings
Over the Past 60 Days!

(274) Over the Past 60 Days!

  • 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 Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Regular Purchase APR 13.99% - 24.99% 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

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Rate 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited 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 a solid 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited 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.

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 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® Cash Back 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® 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

  • star rating mask

Offer Rating

3.7/5.0

274 Total Ratings

5 Star
 
 
(57)
4 Star
 
 
(119)
3 Star
 
 
(73)
2 Star
 
 
(18)
1 Star
 
 
(7)

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.

+226 users submitted a rating without a full review

Sort by:

9 Found this review helpful

By: | Aug 6, 2018

I received this card in May with a $19,000 credit limit. I have a credit score in the mid to upper 700s. Unlike Chase which only gave me $3,000 a couple of years ago. I will be able to pay off all my consumer debt in 14 months. I am elated about this card!

14 Found this review helpful

By: | Mar 11, 2018

A great card with great cash back. 0% Apr for 14 months, and a cash back match as to how much cash you have earned throughout the course of your first year. Plus, 0% Apr on balance transfers for the first 14 months. Only a 3% transaction fee. The Discover IT card, really is IT. It has Discover Deals and many other features to help you get discounts and more cash back. The only thing that would make the card better is if you got 1.5% cash back instead of 1% on purchases on goods outside of the 5% quarterly categories.

6 Found this review helpful

By: | Feb 3, 2018

I love my discover it

40 Found this review helpful

By: | Jan 30, 2018

They make it easy to consolidate my other cards with a great introductory offer and great cash back

35 Found this review helpful

By: | Jan 22, 2018

Discover has the best mobile app for any of my cards. The customer service is always on point also. I am eliminating my other cards and will only use Discover. Go with Discover!!

62 Found this review helpful

By: | Jan 15, 2018

I had an 18k, now 21.5k credit line. Discover is very generous with their credit lines.

33 Found this review helpful

By: | Jan 4, 2018

I have had Discover Card from 1986 and it is the very best card a man that travels can have put as much as 25m on it for a Co Cruz and never had a problem. Thanks Discover

92 Found this review helpful

By: | Oct 19, 2017

Love my discover credit card. The cash back reward is exactly what they say and even better. Not only do you get the money at the end of the year, but you can also transfer the funds over to your checking account for cash. Customer service is excellent - never had any issues with them - even when I used the card overseas when I travel to Africa.

1 Reply

By: Michael Hill | Apr 9, 2018

Thank u discover about the cash back was able to consolidate a couple of cards on my discover card looking forward to the future.

72 Found this review helpful

By: | Oct 15, 2017

Was delighted to be approved after only 1 year of credit building. Customer service is great. Definitely recommend!

58 Found this review helpful

By: | Sep 26, 2017

Love this card...My emergency go to!

108 Found this review helpful

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!!!

135 Found this review helpful

By: | Apr 8, 2017

Excellent card

222 Found this review helpful

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.

224 Found this review helpful

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.

241 Found this review helpful

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.

Page:

Back to top ↑