Discover it® Cash Back
Pay No Intro Interest Until Nearly 2028 and Earn a First-Year Cashback Match
- Lengthy introductory no-interest period on both purchases and balance transfers
- Incredible cash back rewards and generous welcome offer
- No annual fee
on Issuer's secure website
Rates and feesYou might think you have to choose between tackling interest and earning rewards. With the Discover it® Cash Back (Rates and fees) credit card, you don't. This card pairs 0% intro APR on purchases and balance transfers for 15 months (then 17.49% - 26.49% (Variable); Balance transfer fee applies) with generous cash back potential. Plus, the annual fee is $0 and Discover will match all the cash back you’ve earned at the end of your first year.
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0%, 15 months
0%, 15 months;
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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. No annual fee
- Terms and conditions apply
What you need to know
Packed with benefits and a $0 annual fee, the Discover it® Cash Back (Rates and fees) makes a great everyday or secondary credit card. Beyond earning cash back while taking a break from interest until nearly 2028, we're also impressed with the Discover it® Cash Back's unique welcome bonus.
Rotating 5% cash back categories
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 your rewards for cash at any time.
Unique welcome bonus that doubles your cash back in your first year
Discover will match all the cash back you’ve earned at the end of your first year. You could turn $150 in cash back into $300. No caps, no hoops — it's one of the most generous first-year offers in the market.
0% intro APR for 15 months
Whether you're tackling high-interest debt or financing a large purchase (or both), this card offers 0% intro APR on purchases and balance transfers for 15 months (then 17.49% - 26.49% (Variable); Balance transfer fee applies).
No annual or foreign transaction fee
Keep more money in your wallet — no annual fee and no foreign transaction fee, so it travels just as well as it earns.
Recommended Credit Score
Good to Excellent · 670+
How Discover it® Cash Back stacks up
0%, 15 months
0%, 15 months;
Credit Score
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0%, 15 months
0%, 15 months
Credit Score
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
Credit Score
Is this card right for you?
The Discover it® Cash Back (Rates and fees) is a versatile all-around card that fits a variety of everyday spending habits. You'll enjoy this card if:
You have good to excellent credit
The Discover it® Cash Back is a good choice for applicants with good to excellent credit scores.
You want to pay down debt or finance a big purchase
Some cards offer an intro APR on just purchases or balance transfers independently, which is why we love that the Discover it® Cash Back (Rates and fees) offers 0% intro APR on purchases and balance transfers for 15 months. That's well over a year you don't have to worry about interest payments! After the intro period, the regular APR is 17.49% - 26.49% (Variable) (Balance transfer fee applies).
You want 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.
- Intro APR on purchases and balance transfers
- $0 annual fee
- Apply Now
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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. No annual fee
- Terms and conditions apply
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Intro Offer
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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
Annual Fee
$0
Why we like it
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- Pay 0% intro APR on purchases + balance transfers for 15 months, then 17.49% - 26.49% (Variable) APR (balance transfer fee applies).
- Enjoy no annual fee and the opportunity for generous cash back.
- Discover will match all the cash back you’ve earned at the end of your first year.