Discover it® Cash Back
Earn 5% cash back on rotating quarterly categories (activation required, up to quarterly maximum) and 1% on all other purchases, with Cashback Match at end of first year.
Current Welcome Offer
0 cashback
Card Offers
public
0 cashback
Earning Rates
Activation required each quarter; up to the quarterly maximum spend cap. Categories vary each quarter.
Unlimited; applies automatically to all purchases not in the 5% rotating category.
Pros & Cons
Pros
- No annual fee
- Unlimited first-year Cashback Match
- 5% cash back in rotating categories up to $1,500 quarterly
- 0% intro APR for 15 months on purchases and balance transfers
- No foreign transaction fees
Cons
- Rotating categories require quarterly activation
- Good credit required for approval
- Variable APR up to 27.24% after intro period
- No sign-up bonus offer
- Discover network has limited international acceptance
Key Takeaways
- 5% cash back on rotating quarterly categories up to $1,500 after activation
- Discover matches all first-year cash back earned, no limits
- No annual fee or foreign transaction fees
- 0% intro APR for 15 months on purchases and balance transfers
- Free FICO® Score and account freeze feature
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 18.74% - 27.74%0% intro APR for 15 months
- Balance Transfer APR
- 18.74% - 27.74%0% intro APR for 15 months
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
5 benefits (2 strong or better)
Travel Credits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Discover it® Cash Back card?
How do the cash back rewards work on this card?
What is the Cashback Match benefit?
Does this card have an introductory APR offer?
Are there foreign transaction fees?
What credit score is required to apply?
What additional benefits does the card offer?
Do I need to activate the 5% categories?
About This Card
This card suits consumers with good credit who make everyday purchases in varying categories like groceries, dining, or gas and seek a no-fee option with a first-year rewards boost. It fits those transferring balances or financing purchases interest-free for 15 months.
The Discover it® Cash Back card earns 5% cash back on everyday purchases at different places each quarter—like grocery stores, restaurants, gas stations, and more—up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases automatically. At the end of your first year, Discover will automatically match all the cash back you've earned (Cashback Match). The card has no annual fee, no foreign transaction fee, and no rotating penalty APR. Cardholders also get free access to their FICO® Credit Score on monthly statements and online.
It differentiates with an automatic, uncapped Cashback Match that doubles all first-year rewards regardless of spending level.
Ready to Decide?
Apply for the Discover it® Cash Back
0 cashback with no annual fee.
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Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 5 of 5 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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