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Discover it® Cash Back review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Discover it® Cash Back currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 45 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...


The Discover it® Cash Back* is one of the best cash-back credit cards on the market. With 5% cash back on quarterly rotating categories upon enrollment (on up to $1,500 in quarterly purchases, then 1%) and its Unlimited Cashback Match welcome bonus at the end of the first year, you can essentially d...

- Jaclyn DeJohn, Cnet

For credit card users looking to get the most out of their rewards, the Discover it Cash Back card should catch your eye. If features a high rewards rate for quarterly rotating categories, and Discover will double the rewards cardholders earn during the first year, with no annual fee. The Discover i...

- Evan Zimmer, ZDNet
Fit Small Business
Fit Small Business

While the Discover it® Cash Back card is a personal credit card, its extended 0% APR for 15 months on both purchases and balance transfers make it a desirable credit card for many business owners. To benefit the most from this card, you should separate your business and personal purchases from the s...

- Benilyn Formoso - Suralta, Fit Small Business
The Ascent
The Ascent

It is a perfect card for cash back rewards fans who have an affinity for scoring high rewards rates on their spending in specific categories. But it has value for more people than just cash back.

- Matt Frankel, The Ascent

It is very popular with its customers. From the cash back rewards to the user-friendly online banking system to rave customer reviews, Discover it customers are overwhelmingly happy with everything this card has to offer.

- Morgan Quinn, MyBankTracker


Interest Rates
Regular APR Interest Rate 13.49% ‐ 24.49% (Variable) (0% for the first 15 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 15 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 $41.00
  • Maximum
  • No late fee on your first late payment
Sign up bonus No
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,, 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
Additional Benefits

Online Privacy Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
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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