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Discover it® Cash Back

Discover it® Cash Back
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Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
Cashback MatchIntro Offer: Unlimited Cashback Match for all new cardmembers – 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.
Reward Rates
5%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.
1%Plus, earn unlimited 1% cash back on all other purchases - automatically.
Balance Transfers Intro APR
0% for 15 months
Purchases Intro APR
0% for 15 months
Regular APR
17.24% - 28.24% Variable APR
Annual Fee
$0

Great for:

Cash back on everyday spending. The Discover it Cash Back is the flagship of the Discover it cards, with Cashback Match at the end of your first year. Its 5% cash back feature is for rotating categories up to $1,500 each quarter after activation, then 1%.

The Discover it Cash Back is one of our picks for the best credit cards.

Highlights

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – 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 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—automatically.
  • Redeem your rewards for cash at any time.
  • 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.
  • 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.
  • Terms and conditions apply.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Cash Back
    Cash Back
  • Dining
    Dining
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Gas
    Gas
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Popular
    Popular
  • Rewards
    Rewards
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.6 out of 5

Our take: The Discover it® Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous sign-up bonus, which matches the amount of cash back you earn at the end of the card member’s first year. Terms and conditions apply.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Discover it® Cash Back

Average Ratings: (collected by Discover)
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2021-04-01.