None

None

Excellent for high-rate cash back categories

Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Discover’s secure website

Rates and fees

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Discover it^® Cash Back

Intro Offer INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match™

Reward Rate 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. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cash back

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable

Annual fee

$0

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Why We Like It

• The Discover it^® Cash Back is ideal for anyone who loves flexible rewards options.

• Cardholders can redeem their cash back for any amount.

• Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases. Categories may include places like gas stations, grocery stores, restaurants, and more.

Click here to Apply Now >

Card Details

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• 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. Plus, earn unlimited 1% cash back on all other purchases.
• Redeem cash back for any amount
• Apply and you could get a decision in as little as 90 seconds. No annual fee.
• Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
• Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

What You Need To Know

The Discover it^® Cash Back(Rates and fees) makes a great everyday or secondary credit card as it's packed with excellent benefits — all with a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until 2026, we're also impressed with the Discover it^® Cash Back's unique welcome bonus.

Benefits and perks:

• Rotating 5% cash back categories: You have the ability to earn up to 5% cash back on different spending categories each quarter. You can 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. Plus, earn unlimited 1% cash back on all other purchases. Redeem cash back for any amount.
• Unique welcome bonus worth up to 10% cash back in your first year: Discover will match all the cash back you’ve earned at the end of your first year. Combined with the up to 5% cash back reward rate, the bonus offer could earn you up to 10% cash back in your first year. 
• Intro APR offer: If you want to tackle high-interest debt or finance large purchases (or both!), this card is a great choice as it offers 0% intro APR for 15 months on purchases and balance transfers. After the intro period, the go-to APR is 18.24% - 27.24% Variable.
• No annual or foreign transaction fee: Keep even more money in your wallet with a $0 annual fee and no foreign transaction fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Bottom Line: Who Is This Card Best For?

The Discover it^® Cash Back is a great choice for anyone who:

• Has average to excellent credit: The Discover it® Cash Back is a good choice for applicants with a credit score of 670+.
  
• Wants to pay off a large purchase over time or pay down high-interest debt Some cards offer an intro APR on just purchases or balance transfers independently, which is why we love that the Discover it^® Cash Back offers 0% intro APR for 15 months on purchases and balance transfers. That's well over a year you don't have to worry about interest payments! After the intro period, the go-to APR is 18.24% - 27.24% Variable.
• Is looking to maximize cash back rewards: While you do need to activate and track rotating reward categories, it's a reasonable tradeoff for the ability to earn an elevated rate on common spending categories. And don't forget, Discover will match all the cash back you’ve earned at the end of your first year.

>> Click here to apply now and pay an intro 0% APR until 2026

Up To 5% Cash Back

Discover it^® Cash Back

Benefits

Card Details

• $0 annual fee
• Intro APR on purchases and balance transfers
• Apply Now

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• 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. Plus, earn unlimited 1% cash back on all other purchases.
• Redeem cash back for any amount
• Apply and you could get a decision in as little as 90 seconds. No annual fee.
• Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
• Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Discover’s secure website

Rates and fees

Read Card Review

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

+ -

Why we like it

• The Discover it^® Cash Back is ideal for anyone who loves flexible rewards options.

• Cardholders can redeem their cash back for any amount.

• Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases. Categories may include places like gas stations, grocery stores, restaurants, and more.

• Apply Now

Discover it® Cash Back

Pay no interest until nearly 2027! Earn top-notch cash back rewards. No annual fee. This card offers 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR.

Rates and fees

Apply Now Rates and fees