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...
- Garrett Yarbrough, Nouri Zarrugh, Emily, 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.
- 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...
- Best Wallet HacksThe Discover it Cash Back card is the ultimate card for cash back strategists. If you're the kind of person that will look forward to activating your bonus categories each quarter and will happily plan your shopping trips around stores that are part of the bonus, you will get tremendous value out of...
- Claire Tsosie, NerdWalletIf 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-maximizing strategy.
- Holly D. Johnson, The BalanceThe 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...
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 | - |
| 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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