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Discover it®

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Discover it®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

$100 + Unlimited Cashback Match

Welcome Offer

  • $100 Statement Credit: Earn a $100 bonus as a statement credit when you apply through this referral link. This offer is available for a limited time through our site.
  • Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular APR: After the introductory period, a variable APR of 18.24% - 27.24% applies to purchases and balance transfers.
    • Paying late won’t raise your APR.
  • Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: N/A.
  • Late Payment: No fee on your first late payment.

Additional Features

  • Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
  • Zero liability protection, online privacy protection, Freeze it® to temporally block new purchases, cash advances, and balance transfers, free access to FICO® Credit Score, automatic account alerts, free SSN alerts, free overnight card replacement, 24/7 100% U.S.-based customer service, Spend Analyzer to track your purchases, contactless checkout, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Discover it® Cash Back Card is a great pick for people who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories, such as grocery stores, restaurants, and gas stations, on up to $1,500 in purchases each quarter after activation, and 1% cashback on all other purchases. New cardmembers benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year, effectively enhancing the initial rewards rate. Additionally, you also get a 0% intro APR for 15 months on purchases and balance transfers, which can help if you're planning a big purchase or need time to pay down debt. This card is best for smart spenders who can take advantage of the bonus categories and want to earn extra cashback in their first year.