Discover it® Cash Back review

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Advertiser Disclosure

Interest Rate: Purchases
13.49% ‐ 24.49% (Variable) (0% for the first 14 months)
Balance Transfer
13.49% ‐ 24.49% (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 28 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...


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
Cardcruncher

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...

- Cardcruncher
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 sign-...

- Emily Sherman, CreditCards.com
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 Discover...

- Ben Luthi, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 13.49% ‐ 24.49% (Variable) (0% for the first 14 months)

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

Balance Transfer Interest Rate 13.49% ‐ 24.49% (Variable) (0% for the first 14 months)

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

Cash Advance Interest Rate 26.49% (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
  • 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
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
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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


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

Less

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.

Read full review

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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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MagnifyMoney

A great cashback card

from MagnifyMoney

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.

Read full review

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.

Read full review

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Credit Fast

A quality cash back rewards card

from Credit Fast

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.

Read full review

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.

Read full review

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Hustler MoneyBlog

5% cashback categories & 1st year cashback match

from Hustler MoneyBlog

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!

Read full review

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User Reviews


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