Discover
Discover it® Cash Back Credit Card
Cash BackNo Annual FeeRotating CategoriesGasGroceryIntro OfferGood CreditExcellent Credit
Key Features
| Annual Fee | $0.00 |
| Intro APR | x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x. |
| Regular APR | Then x% to x% Standard Variable Purchase APR Cash Advance APR: x% variable |
| Other Fees | Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% Intro fee of the amount transferred; x% fee for future transfers. x% intro Balance Transfer Fee until x. |
| Network | Discover |
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Best for those with
Good Credit
About this card
The Discover it® Cash Back card is a strong offering, meriting an overall rating of 4.1. Its strengths lie in its excellent rewards program, particularly the 5% rotating categories and first-year cashback match, and its reasonable fee structure with no annual fee. The positive reputation and strong customer service from Discover further enhance its appeal. The high regular APR is a drawback, and the rotating category activation requirement can be cumbersome for some users. However, the overall value proposition, especially in the first year, is compelling, making it an excellent choice for those who can maximize the bonus categories and pay their balance in full each month.
4.1
Overall Rating
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Rotating bonus categories
Things to consider
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it® cash back card.
- No, there's no limit to how much we'll match.
Rewards
- Earn 5% Cash Back
- On everyday purchases at different places you shop each quarter – like grocery stores, restaurants, gas stations, and more – up to the quarterly maximum when you activate.
Other features
- Start spending instantly with your virtual card, if eligible.
- Plus, your cash back won't expire for the life of the account
- $1 Cash Back = $1 to Redeem: Earn cash back you can spend with Discover. One dollar earned is worth one dollar you can spend.
- $0 Fraud Liability Guarantee
- You're never responsible for unauthorized purchases on your Discover Card.
- 99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.
- Freeze your account If you misplace your card, you can prevent new purchases and cash advances in seconds with the on/off switch on our mobile app and website.
- Free Social Security number alerts Get an alert if we find your Social Security number on the dark web. Sign up to activate this free benefit.
- Choose from a gallery of colorful card designs when you apply to become a Discover it® cardmember.
- See if you're pre-approved with no harm to your credit score
Ratings
4.7
4.3
4.5
2.5
4.3