Discover it® Cash Back
BEST FOR: Our pick for 1:1 cash back match in your first year
Discover it® Cash Back Review
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.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Discover it® Cash Back
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.
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
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% 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.
Annual Fee
$0
Card Brand
Discover
Recommended Credit Score
Excellent/GoodHighlights
- 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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Additional Info
None
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Either $10 or 5% of the amount of each cash advance, whichever is greater.
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for 1:1 cash back match in your first year
From the LendingTree editorial team, updated on Sep 08, 2023
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 17.24% - 28.24% 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.
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.
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.
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.
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Intro Purchase APR
0% for 12 months on Purchases
Intro Balance Transfer APR
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Regular Purchase & BT APR
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Welcome Offer
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Rewards Rate
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Purchase and BT APR
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Intro Balance Transfer APR
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Rewards Rate
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Regular Purchase & BT APR
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