Discover it® Cash Back

Discover it® Cash Back

BEST FOR: Our pick for 1:1 cash back match in your first year

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Discover it® Cash Back

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on Issuer's secure site

Discover it® Cash Back Review

4.5

 

Rated 4.5/5.0 stars by our editorial team

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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.

While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.

Discover it® Cash Back

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Discover it<sup>®</sup> Cash Back
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Discover it® Cash Back

WELCOME OFFER

Earn Unlimited Cashback Match™ + $200 INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening. Click "Apply Now" to view important rates and disclosures

REWARDS RATE

5% Cash Back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate; 1% Cash Back on all other purchases

Welcome Offer

Earn Unlimited Cashback Match™ + $200 INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening. Click "Apply Now" to view important rates and disclosures

Rewards Rate

5% Cash Back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate; 1% Cash Back on all other purchases

Intro APRs

0% intro on purchases for 15 months on purchases and balance transfers, then 18.74% - 28.74% (Variable)

Annual Fee

$0

Card Brand

Discover

Recommended Credit Score

Good / Excellent

Highlights

  • Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
  • INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
  • UNLIMITED CASHBACK MATCH: 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. Click "Apply Now" to view important rates and disclosures
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount. No annual fee
  • Terms and conditions apply

  • Additional Info

    Foreign Transaction Fee

    None

    Balance Transfer Fee

    0% at the Transfer APR; 3% for the first 15 months; 5% at a promotional APR that Capital One may offer to you at any other time

    See your approval odds before you apply
    There's no impact to your credit

    Expert Review

    Editor's Overall Rating

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    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.

    4.5

             
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    Features

    Our pick for 1:1 cash back match in your first year

    From the LendingTree editorial team, updated on Nov 05, 2026

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    Editorial Note: This content is not provided by Issuer. 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 Issuer.

    Methodology
    Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.

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