Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- CardcruncherThe Discover it Card is a versatile cash back card that’s perfect for everyday purchases. You’ll earn 5% cash back on rotating categories each quarter, plus 1% cash back on all other purchases. In the past, rotating categories have included gas stations, restaurants, grocery stores, wholesale clubs...
- Emily Sherman, CreditCards.comNearly identical to the Chase Freedom card, 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-...
- Ben Luthi, CardcruncherThe Discover it® is one of the best cash-back credit cards on the market, but it requires a little extra work to maximize your rewards. If you want just one credit card, consider getting another one with a higher base rewards rate. If, however, you’re OK with getting more than one card, the Discover...
- Claire Tsosie, NerdWalletIf you don't mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-mazimizing strategy.
- Nathan Hamilton, The AscentThe card nicely balances costs with benefits, delivering a credit card that users may find worthy of a prime spot in their wallets, especially those who can maximize 5% bonus rewards categories without changing their spending habits.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.24% ‐ 25.24% (Variable) (0% for the first 14 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.24% ‐ 25.24% (Variable) (0% for the first 14 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
27.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% 3% intro fee |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00
|
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments |
Other Names (AKA): Discover it - Cashback Match |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
A well-rounded cash-back card that rewards you for your everyday expenses, like groceries and gas
The Discover it Card is a versatile cash back card that’s perfect for everyday purchases. You’ll earn 5% cash back on rotating categories each quarter, plus 1% cash back on all other purchases. In the past, rotating categories have included gas stations, restaurants, grocery stores, wholesale...More
The Discover it Card is a versatile cash back card that’s perfect for everyday purchases. You’ll earn 5% cash back on rotating categories each quarter, plus 1% cash back on all other purchases. In the past, rotating categories have included gas stations, restaurants, grocery stores, wholesale clubs and Amazon.com. Points can be redeemed at any time through your Discover account or by linking your credit card account to your Amazon.com account.
Read full review
Good no-fee cash back card
Nearly identical to the Chase Freedom card, 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...More
Nearly identical to the Chase Freedom card, 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.
Read full review
Excellent cash back rewards with no annual fee
The Discover it® is one of the best cash-back credit cards on the market, but it requires a little extra work to maximize your rewards. If you want just one credit card, consider getting another one with a higher base rewards rate. If, however, you’re OK with getting more than one card, the Di...More
The Discover it® is one of the best cash-back credit cards on the market, but it requires a little extra work to maximize your rewards. If you want just one credit card, consider getting another one with a higher base rewards rate. If, however, you’re OK with getting more than one card, the Discover it® pairs well with another rewards credit card that you’d use for non-bonus spending.
Rewards are worth a little work
If you don't mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-mazimizing strategy.
Read full reviewIf you don't mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-mazimizing strategy.
Read full review
A clear cash-back leader with a laundry list of perks
The card nicely balances costs with benefits, delivering a credit card that users may find worthy of a prime spot in their wallets, especially those who can maximize 5% bonus rewards categories without changing their spending habits.
Read full reviewThe card nicely balances costs with benefits, delivering a credit card that users may find worthy of a prime spot in their wallets, especially those who can maximize 5% bonus rewards categories without changing their spending habits.
Read full review
A great cashback card
If you don’t mind activating quarterly bonus categories, the Discover it Cash Back is a great choice for a $0 annual fee cashback card. Plus, you can benefit from the unique new cardmember offer in which Discover will automatically match all the cash back you earn at the end of your first year.
If you don’t mind activating quarterly bonus categories, the Discover it Cash Back is a great choice for a $0 annual fee cashback card. Plus, you can benefit from the unique new cardmember offer in which Discover will automatically match all the cash back you earn at the end of your first year.
A quality cash back rewards card
You have the potential to earn a decent amount of cash back just for using your card. In this case, the rewards far outweigh the benefits. With responsible use, you can be well on your way to great cash back rewards.
You have the potential to earn a decent amount of cash back just for using your card. In this case, the rewards far outweigh the benefits. With responsible use, you can be well on your way to great cash back rewards.
5% cashback categories & 1st year cashback match
The Discover It Cashback MatchTM is offering such an attractive cashback match so ultimately the 5% earnings will total 10% with this match! With amazing cashback categories such as Amazon.com and Department Stores, it’s easy to rack up earnings with the Discover It in your pocket. You can earn...More
The Discover It Cashback MatchTM is offering such an attractive cashback match so ultimately the 5% earnings will total 10% with this match! With amazing cashback categories such as Amazon.com and Department Stores, it’s easy to rack up earnings with the Discover It in your pocket. You can earn on all your purchases and not worry about having to pay an annual fee!
Hard to top this card's first-year cashback match offer
You won’t earn one of those huge sign-up bonuses other cards offer, but if you’re looking for a no-frills cash-back card, the Discover it Cashback Match credit card does come with one intriguing feature: Discover automatically matches all the cash back you earn at the end of your first year.
You won’t earn one of those huge sign-up bonuses other cards offer, but if you’re looking for a no-frills cash-back card, the Discover it Cashback Match credit card does come with one intriguing feature: Discover automatically matches all the cash back you earn at the end of your first year.
Attractive cash back rewards for shoppers
Ideal for those who want to earn money on their regular spending, and are willing to plan out their spending and keep track of the rotating categories.
Ideal for those who want to earn money on their regular spending, and are willing to plan out their spending and keep track of the rotating categories.