Discover
Discover it® Cash Back Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Unlimited Cashback Match |
| Rewards Rate | 5% Cash Back |
| Intro APR | Purchase APR: 0% intro rate for 15 months, then 17.49% variable to 26.49% variable. Balance Transfer APR: 0% intro rate for 15 months, then Purchase APR applies. |
| Regular APR | Purchase APR: 17.49% variable to 26.49% variable. Balance Transfer APR: then Purchase APR applies. 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 card is a strong contender in the cash back category, earning an overall rating of 4.1. Its key strengths lie in its generous rewards program, particularly the 5% rotating categories and the unlimited cashback match in the first year, making it highly rewarding for strategic spending. The absence of an annual fee and Discover's strong reputation for customer service further enhance its value. While the high regular APR is a drawback, especially for those who carry a balance, the introductory APR offer provides a temporary reprieve. The need to activate bonus categories each quarter requires active management, and Discover's acceptance is not as widespread as Visa or Mastercard, but these are minor limitations compared to the overall value proposition. The card is best suited for individuals with good to excellent credit who can maximize the bonus categories and pay their balance in full to avoid interest charges.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cashback on purchases
- Generous sign-up bonus
- Fraud protection
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
What this card offers
Sign-up bonuses
- Unlimited Cashback Match
- 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.
- Plus, your cash back won't expire for the life of the account.
- Choose from a gallery of colorful card designs when you apply to become a Discover it® cardmember.
- No annual fee
Additional Notes
Rates as of March 31, 2026.