Enjoy 5% Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.
We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.2
Redeem with Ease
Your cash back never expires. Redeem your rewards in any amount, at any time.3
Compare Cash Back Credit Cards
Discover it(R) Cash Back Credit Card
|Discover it(R) Cash Back Credit Card||Blue Cash Everyday Card from American Express||Chase Freedom Unlimited||Capital One Quicksilver Cash Rewards||Citi Double Cash Card||Bank Americard Cash Rewards|
Discover it<sup>(R)</sup> Cash Back Credit Card
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2
See issuers' websites for their new cardmember bonuses.
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
Plus earn 1% cash back on all other purchases.
Cash back rewards – Citi Double Cash Card: 1% on purchases; 1% as you pay. Capital One Quicksilver: 1.5% on all purchases. Chase Freedom Unlimited: Earn 3% cash back on all purchases in your first year up to $20,000 spent, after that earn 1.5% cash back on all purchases. Bank Americard Cash Rewards: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or 火红彩票网客户端下载 improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. American Express Blue Cash Everyday Card: 3% at supermarkets up to a yearly max; 2% at gas stations & select department stores; 1% on other purchases. Cash back rewards for similar cards of compared issuers: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly maximum each time you activate; 1% on all other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in February 火红彩票网客户端下载.
+Compared card issuers may provide a FICO(R) Credit Score or other credit score and other credit information. See issuers' websites for further details.
+Discover's free alerts are based on information from your Experian(R) credit report.
Discover it(R) card benefits
Freeze it(R) on/off switch for your account.
If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.4
FICO(R) Credit Score for free.
Looking out for you.
We monitor every purchase, everyday for suspicious activity. And you're never responsible for unauthorized purchases on your Discover card.
100% U.S.-based customer service.
Here to help whenever you call, not sell you other products. Plus get powerful, fast mobile and online service.
Tap to pay.
It’s fast and easy to pay with your contactless Discover Card at millions of places.
The Discover it(R) credit card has no annual fee
0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until .
Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
Frequently Asked Questions
Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it(R) cash back card.2 So if you earn $50 cash back, we'll give you another $50.
You don’t have to do anything. There's no signing up, just use your Discover card for everyday purchases to earn cash back, and we'll automatically match all the cash back you earn at the end of your first year.
No, there's no limit to how much we'll Match.
Yes, you can redeem cash back any time after you earn it and still receive the full match amount at the end of your first year.
Interested in more credit information?
Visit the Discover Credit Resource Center
Cash Back Details
The Discover it(R) Cash Back credit card with no annual fee is the way to earn and use rewards. You can activate each quarter 5% cash back in bonus categories on up to $1500 in purchases each quarter—that’s up to $75 in cash rewards—and automatically earn unlimited 1% cash back rewards on every other card purchase all year long. And we’ll match all of the cash back you’ve earned at the end of your first year with no limit as to how much we’ll match2. When you’re ready to cash in, your rewards are simple to redeem. There are no minimums to turn your rewards into cash deposits to your bank account, to pay at Amazon.com6 or to pay your Discover bill. Want to boost what your rewards are worth? Redeem for gift cards for over 100 popular brands, starting at $20, and get at least $5 free added to each card. Even donate your cash back to a charity. Discover it(R) Cash Back rewards never expire.3
Discover it(R) Cash Back credit card
* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Discover(R) Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian(R) credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit /freealerts.
Cashback Match: No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned on your credit card and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
Freeze it(R): When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
FICO(R) Credit Score Terms: Your FICO(R) Credit Score, key factors and other credit information are based on data from TransUnion(R) and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See /FICO about the availability of your score. Your score, key factors and other credit information are available on and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO(R) Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
If you prefer not to receive your FICO(R) Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit /FICO.
Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www./credit-cards/it-card/reviews/