Discover it^® Cash Back

Take a Break From High Interest: This Top Card Offers 0% Intro APR into 2027

• Lengthy introductory no-interest period on both purchases and balance transfers
• Incredible cash back rewards and generous welcome offer
• No annual fee

Updated May 8, 2026

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on Capital One's secure website

Rates and fees

Apply Now

on Capital One's secure website

Rates and fees

FinanceBuzz's credit card experts reviewed dozens of cards with low introductory APRs, and the Discover it^® Cash Back(Rates and fees) is one of our favorites for its long introductory no-interest period on both purchases and balance transfers, incredible cash back rewards, no annual fee, and a welcome offer that doubles your cash back at the end of your first year.

Excellent for high-rate cash back categories

Discover it^® Cash Back

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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 Capital One's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.49% - 26.49% Variable

Annual Fee

$0

Rewards Rate

1% - 5% 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.

Cash back

Why We Like It

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

• Plus, pay 0% intro APR on purchases and balance transfers for 15 months (then APR is 17.49% - 26.49% Variable)

• Enjoy no annual fee in addition to the opportunity for generous cash back

Apply Now

on Capital One's secure website

Recommended Credit 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 to Excellent (670 - 850)

Card Details

Card Details

• 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. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

Apply Now

on Capital One's secure website

Rates and fees

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. 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. Plus, there is no cap on how much you could earn!
• 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.
• 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

» 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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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 Capital One's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.49% - 26.49% Variable

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

Welcome bonus 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.

Cashback Match™

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 to Excellent

Apply Now

BankAmericard® credit card

4.9

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 Bank of America's secure website

Intro APR

Purchases:
0%, 21 billing cycles

Balance Transfers:
0%, 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

14.99% - 25.99% Variable

Reward Rate

N/A

Welcome bonus

N/A

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 to Excellent

Apply Now

Chase Freedom Unlimited®

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 Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Reward Rate Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

1.5% - 5% Cash Back

Welcome bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

$200 Bonus

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 to Excellent

Bottom Line: Who Is This Card Best For?

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

• Has good 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.
• 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

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. 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. Then 17.49% to 26.49% 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 Capital One'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

Other Cards You Might Like:

The Discover it^® Cash Back card is hard to beat with its incredible cash back rewards, notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:

Excellent for no annual fee & low interest

BankAmericard^® credit card

Apply Now

4.9

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 Bank of America's secure website

Intro APR

Purchases:
0%, 21 billing cycles

Balance Transfers:
0%, 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

14.99% - 25.99% Variable

Annual Fee

$0

Rewards Rate

N/A

Why We Like It

• The BankAmericard^® credit card is a wonderful option for individuals who want to take advantage of a stellar introductory balance transfer sign-up offer

• Cardholders can benefit from a 0% introductory APR on purchases and qualifying balance transfers for 21 billing cycles (then 14.99% - 25.99% Variable APR)

• Other benefits include no penalty APR or annual fees

Apply Now

on Bank of America's secure website

Recommended Credit 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 to Excellent (670 - 850)

Card Details

Card Details

• 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.

Apply Now

on Bank of America's secure website

2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

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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 Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Annual Fee

$0

Rewards Rate

1.5% - 5% Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Cash Back

Why We Like It

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 0% intro APR on purchases for 15 months and 0% intro APR on balance transfers for 15 months (then 18.24% - 27.74% Variable APR)
• Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 1.5% cash back on all other purchases

Apply Now

on Chase's secure website

Recommended Credit 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 to Excellent (670 - 850)

Card Details

Card Details

• 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

Apply Now

on Chase's secure website

Rates and fees