Discover
Discover it® Cash Back Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Unlimited cash back match first year |
| Rewards Rate | 5% Cash Back on quarterly categories |
| Intro APR | 0% intro APR for 15 months on purchases and balance transfers and 3% intro Balance Transfer Fee until October 10, 2026. Then 17.49% to 26.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply. |
| Regular APR | Then 17.49% to 26.49% Standard Variable Purchase APR Cash Advance APR: 28.49% variable |
| Other Fees | Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: 3% Intro fee of the amount transferred; 5% fee for future transfers. |
| Network | Discover |
About this card
The Discover it® Cash Back Credit Card earns an excellent overall rating of 4.1 out of 5.0. This card is an outstanding choice, especially for consumers prioritizing robust cash back rewards and minimal fees. Its primary strengths lie in an exceptional rewards program (rated 4.4), featuring highly competitive 5% rotating cash back categories and a standout Unlimited Cashback Match for all earnings in the first year, which significantly boosts its initial value proposition. The fee structure is also a major highlight (rated 4.3), boasting no annual fee and no foreign transaction fees, making it a very cost-effective card to hold. Furthermore, Discover's reputation for excellent customer service and consumer-friendly policies (rated 5.0) adds considerable trust and reliability. The introductory 0% APR for 15 months on purchases and balance transfers is another strong benefit, offering a valuable period for interest-free financing. The main drawback, which prevents a higher overall score, is the regular APR (rated 2.6), which can be quite high (up to 26.49% variable) after the introductory period. This makes it less suitable for cardholders who frequently carry a balance. While maximizing rewards requires activating categories and adhering to quarterly spending caps, and Discover's international acceptance is not as broad as Visa or Mastercard, these are minor points when weighed against the substantial value. This card is ideally suited for individuals with good credit who can leverage the rotating categories, take full advantage of the first-year Cashback Match, and, crucially, pay their balance in full each month to avoid the higher regular interest rates.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Rotating bonus categories
- Strong security features
Things to consider
- High regular APR
- High balance transfer fee
- Cash advance fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is 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
- Spend instantly with your virtual card, if eligible.
- Earn cash back on every purchase, even before your physical card arrives.
- $0 Fraud Liability 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.
- Your cash back won't expire for the life of the account.
Additional Notes
Rates as of June 30, 2026.