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...
- Brooklyn Lowery, CardRatings.comIf 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...
- Emily Sherman, BankrateCardholders that don’t mind a little elbow grease to make their rewards cards shine will find the Discover it Cash Back is one of the best no-annual-fee credit cards for low rates and fees, cash back, first-year offers and customer service.
- Dawn Allcot, GOBankingRatesDiscover it Cash Back is an easy-to-use, straightforward rewards card with no annual fee and a great intro APR on balance transfers and purchases. Earn 5% in rotating spending categories, up to $1,500, and 1% after that, plus 1% on all other purchases. The spending categories for 2022 focus heavily...
- Emily Sherman, CreditCards.comThe 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 b...
- John S Kiernan, WalletHubDiscover 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
16.24% ‐ 27.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
16.24% ‐ 27.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.24% (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
|
| 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 |
| Additional Benefits |
Online Privacy Protection |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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