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...
- Nick Cole, ClarkThe 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...
- Nicki Escudero, The Simple DollarIf 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...
- Christy Rakoczy, FinanceBuzzThe 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.
- Sean Bryant, Credit Cards ExplainedIf 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.
- Compare CardsThe 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.
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
|
| 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 |
| Virtual Cards | 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 |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with Discover it® Cash Back
Rate It:
Critic Reviews
Potentially huge bonus if you make this your everyday spender
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.
A solid option for paying off your balance
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.
Big rewards and a generous cashback match
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.
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.
Get 5% cash back on different categories
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.
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.
An excellent cash back card
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 reviewThe 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
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