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Discover it® Cash Back review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Rewards
1% cashback
Rewards
1% cashback
Signup Bonus
-
Signup Bonus
-


8.9/10
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 40 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...


NerdWallet
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-maximizing strategy.

- Claire Tsosie, NerdWallet
Cnet
Cnet

The no-annual-fee Discover it® Cash Back* is a great card for general spenders. You’ll earn strong rewards (especially for your first year with the card) for purchase types that change quarterly. There aren’t many additional card perks, so its main draw is its cash-back capabilities.

- Jaclyn DeJohn, Cnet
Bankrate
Bankrate

Cardholders 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.

- Emily Sherman, Bankrate
Forbes
Forbes

The Discover it® Cash Back credit card is a good (but not great) cash-back card. Its customer service and first-year cash-back match stand out as its best features. The capped, rotating cash-back categories of its bonus rewards, however, make it a second-tier rewards card.

- Chauncey Crail, Dylan Pearl, Forbes
CreditCards.com
CreditCards.com

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...

- Emily Sherman, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 17.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 29.99% (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 $41.00
  • 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
Virtual Cards No
Additional Benefits

Online Privacy Protection

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