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Over the Past 60 Days!
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 welcome offers 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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
21,749 users have viewed this card in the last 30 days.
Discover it® Cash Back
WELCOME OFFER
Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
REWARDS RATE
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.74% - 28.74% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
Annual Fee
$0
Card Brand
Discover
Recommended Credit Score
Good / ExcellentHighlights
- Click APPLY NOW to apply online.
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% to 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
- 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
- Rates & Fees
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
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 Oct 23, 2026
With the Discover it® Cash Back credit card you can earn 5% cash back at different places each quarter up to the quarterly maximum when 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. The welcome offer is also pretty hard to beat: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
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 18.74% - 28.74% 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 welcome offer 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 welcome offers 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 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.
Related Card Offers
Apply Now
on American Express's secure site
Streaming Benefits
With the $84 Disney Streaming Credit, you can earn up to $7 back per month as a statement credit when you use your enrolled Blue Cash Everyday® Card from American Express Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, with no minimum purchase requirement. Subscription is subject to auto-renewal.
Welcome Offer
You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.
Rewards Rate
Earn 3% Cash Back on Groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). 3% Cash Back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%) 3% Cash Back on Gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%) Cash back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
See Our Review
Apply Now
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.49% - 28.74% (Variable)
See Our Review
Apply Now
on Issuer's secure site
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases - automatically
Intro APR
0% intro on purchases for 6 months on purchases and 0% intro on balance transfers for 18 months on balance transfers, then 17.74% - 26.74% (Variable)
Ongoing APR
17.74% - 26.74% (Variable)
See Our Review
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.