Discover it® Cash Back review

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Advertiser Disclosure

Interest Rate: Purchases
11.99% ‐ 22.99% (Variable) (0% for the first 14 months)
Balance Transfer
11.99% ‐ 22.99% (Variable) (0% for the first 14 months)
Rewards
1% cashback
Signup Bonus
-


9.1/10
Informr score
The Discover it® Cash Back currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 31 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Discover it® Cash Back is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Clark

The Discover it Cash Back card offers a nice blend of some of the top features you may be looking for in a cash back credit card. It does not have an annual fee, does have an introductory 0% APR period, offers 5% cash back perks and has a cash back bonus match after one year of spending. While there...

- Nick Cole, Clark
The Simple Dollar

If you’re able to plan to pay down your balance with 18 months and can pay off any new purchases within six months, you can avoid heftier debt and interest rates with the Discover it® Balance Transfer credit card. If you plan to make a big purchase and need more than six months to pay it off, you ma...

- Nicki Escudero, The Simple Dollar
FinanceBuzz

The Discover it Cash Back is a great credit card if you want to earn cash back on purchases, rather than earning points or miles. The card is best for you if you spend within the categories where you can earn bonus cash back — and if you're willing to pay attention to rotating categories.

- Christy Rakoczy, FinanceBuzz
Credit Cards Explained

If you are looking for a credit card that offers cash back on purchases, then the Discover it® Cash Back card is a solid choice. Not only will you earn up to 5% back on rotating categories, but for the first 12 months Discover will match your earnings.

- Sean Bryant, Credit Cards Explained
Compare Cards

The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.

- Compare Cards

Details


Interest Rates
Regular APR Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 14 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 14 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (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 $40.00
  • Maximum
  • No late fee on your first late payment
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
  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Your cash back never expires. Redeem in any amount, at any time.
  • Get a dollar-for-dollar of all the cash backs earned at the end of your first year.
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
Virtual Cards No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments Other Names (AKA): Discover it - Cashback Match

Terms & Conditions Official Terms & Conditions
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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


Clark

Potentially huge bonus if you make this your everyday spender

from Clark

The Discover it Cash Back card offers a nice blend of some of the top features you may be looking for in a cash back credit card. It does not have an annual fee, does have an introductory 0% APR period, offers 5% cash back perks and has a cash back bonus match after one year of spending. While t...More

The Discover it Cash Back card offers a nice blend of some of the top features you may be looking for in a cash back credit card. It does not have an annual fee, does have an introductory 0% APR period, offers 5% cash back perks and has a cash back bonus match after one year of spending. While there are likely cards that can match or beat it in one more of those areas, the fact that it is competitive in so many of them makes it a strong option for many people.

Read full review

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The Simple Dollar

A solid option for paying off your balance

from The Simple Dollar

If you’re able to plan to pay down your balance with 18 months and can pay off any new purchases within six months, you can avoid heftier debt and interest rates with the Discover it® Balance Transfer credit card. If you plan to make a big purchase and need more than six months to pay it off,...More

If you’re able to plan to pay down your balance with 18 months and can pay off any new purchases within six months, you can avoid heftier debt and interest rates with the Discover it® Balance Transfer credit card. If you plan to make a big purchase and need more than six months to pay it off, you may want to look for other credit cards that have a 0% intro interest rate time period longer than six months for purchases.

Read full review

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FinanceBuzz

Big rewards and a generous cashback match

from FinanceBuzz

The Discover it Cash Back is a great credit card if you want to earn cash back on purchases, rather than earning points or miles. The card is best for you if you spend within the categories where you can earn bonus cash back — and if you're willing to pay attention to rotating categories.

Read full review

The Discover it Cash Back is a great credit card if you want to earn cash back on purchases, rather than earning points or miles. The card is best for you if you spend within the categories where you can earn bonus cash back — and if you're willing to pay attention to rotating categories.

Read full review

Less

Credit Cards Explained

Get 5% cash back on different categories

from Credit Cards Explained

If you are looking for a credit card that offers cash back on purchases, then the Discover it® Cash Back card is a solid choice. Not only will you earn up to 5% back on rotating categories, but for the first 12 months Discover will match your earnings.

Read full review

If you are looking for a credit card that offers cash back on purchases, then the Discover it® Cash Back card is a solid choice. Not only will you earn up to 5% back on rotating categories, but for the first 12 months Discover will match your earnings.

Read full review

Less

Compare Cards

An excellent cash back card

Compare Cards

The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.

Read full review

The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.

Read full review

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Cardcruncher

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

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CreditCards.com

Good no-fee cash back card

from CreditCards.com

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

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Cardcruncher

Excellent cash back rewards with no annual fee

from Cardcruncher

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.

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NerdWallet

Rewards are worth a little work

from NerdWallet

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 review

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 review

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The Ascent

A clear cash-back leader with a laundry list of perks

from The Ascent

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 review

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 review

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User Reviews


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