This Top Cash Back Card Could Help You Pay No Intro Interest Into 2027 And Earn A First-Year Cashback Match
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You might think you have to choose between tackling interest and earning rewards. With the Discover it® Cash Back (Rates and fees), 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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- 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.
- Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
What You Need To Know
The Discover it® Cash Back 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 2027, 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 your rewards for cash at any time.
- 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. That welcome offer combined with the up to 5% cash back reward rate in quarterly rotating categories 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 17.49% - 26.49% Variable (balance transfer fee applies).
- No annual or foreign transaction fee: Keep even more money in your wallet with a $0 annual fee and no foreign transaction fee.
» Apply for the Discover it® Cash Back card.
How Discover it® Cash Back Stacks up
With its rotating cash back categories, first-year Cashback Match™, and lengthy intro APR offer, our experts think the Discover it® Cash Back (Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.
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Credit Score
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Credit Score
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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 17.49% - 26.49% Variable (balance transfer fee applies.
- 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 2027
- $0 annual fee
- Intro APR on purchases and balance transfers
- Apply Now
- 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.
- Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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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
Other Cards You Might Like:
The Discover it® Cash Back is hard to beat with its notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
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- New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
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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.