Add cards to start comparing.

Discover it® Cash Back

Apply Now

on Discover's secure site

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:

4.1/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!

Apply Now

on Discover's secure site


  • 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

  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

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, or wholesale clubs 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%

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

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.0

  • Overall Rating

    4.5 /5

From the LendingTree.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, or wholesale clubs up to the quarterly maximum each time you activate. 1% unlimited cash back automatically 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 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.

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.

Expert Reviews of the Discover it® Cash Back

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.0

  • Overall Rating

    4.5 /5


Consumer Reviews 18 Reviews

Offer Rating

4.1 out of 5.0

5 Star
 
 
(0)
4 Star
 
 
(17)
3 Star
 
 
(2)
2 Star
 
 
(0)
1 Star
 
 
(-1)

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.

+13 users submitted a rating without a full review

Sort by:

By: | Nov 15, 2017

No one can beat Discovers customer service! Plus, the cash back on this card is top of the line

By: | Sep 12, 2016

Fantastic Card! I have had it for three months, and it has only exceeded my thoughts of this card. I had a fear of credit cards but this has been such a great card I would recommend it to everyone I talk to!

By: | Aug 10, 2016

I have several cards but this is by far the best in my wallet. It's the best card you'll ever get.

By: | Jun 29, 2016

I love it.

By: | Mar 31, 2016

I have another Discover card and love it


gif loader

Back to top