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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)
1% cashback
Signup Bonus

Informr score
The Discover it® Cash Back currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 35 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 Balance

The Discover it Cash Back is a rotating cash-back credit card that earns a healthy 5% cash back on spending in categories such as groceries or gas that change every quarter. On top of that, it gives you a modest 1% back on all other purchases. For new cardholders Discover’s first year “Cashback Matc...

- Holly D. Johnson, The Balance

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

With high-earning 5% rewards on rotating everyday spending categories upon activation, plus Discover’s Cashback Match program your first year, this card is a good option for anyone who wants to rack up cash back. Just make sure to keep track of rotating categories and be mindful of the $1,500 quarte...

- Holly Johnson, NextAdvisor

Discover it® Cash Back is a decent everyday credit card for people with good or excellent credit who want to earn bonus rewards without paying an annual fee. The Discover it Cash Back card gives up to 5% cash back on purchases and doubles the rewards cardholders earn the first year, among other perk...

- John S Kiernan, WalletHub

If you are a new card member, Discover matches all the cash back you earn, dollar for dollar, at the end of your first year! With no annual fee, no foreign transaction fees, and amnesty for many of the situations that cause most banks to hike their rates and fees, this card could prove a lucrative a...

- Brooklyn Lowery,


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