Discover it® Cash Back
Take a Break From High Interest: This Top Card Offers 0% Intro APR Until 2027
FinanceBuzz's credit card experts reviewed dozens of cards with low introductory APRs, and the Discover it® Cash Back 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.
Updated November 11, 2025
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REWARD RATE
1% - 5%
Cash back
INTRO OFFER
Cashback Match™
INTRO APR
0%
on Balance Transfers and Purchases
REGULAR APR
17.74% - 26.74% Variable
RECOMMENDED CREDIT SCORE
670 - 850
(Good to Excellent)
What you'll like about it
INTRO OFFER
Cashback Match™
Discover will match all the cash back you’ve earned at the end of your first year.
REWARDS RATE
5%
Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more
1%
Cash back on all other purchases
INTRO APR
0% intro APR for 15 months on purchases and balance transfers
REGULAR APR
17.74% - 26.74% Variable
ANNUAL FEE
$0
RECOMMENDED CREDIT SCORE
670 - 850
(Good to Excellent)
Our Take
OVERVIEW
The Discover it® Cash Back card makes a great complementary card to any wallet. By taking advantage of the elevated cash back rate each quarter, you could stack rewards in no time. Plus, Discover will match all the cash back you’ve earned at the end of your first year. There is no limit to how much you could earn, which is rare for a welcome offer. We're also impressed that the Discover it® Cash Back card offers an intro APR for purchases and balance transfers to help you pay off large purchases or tackle high-interest debt, saving you potentially hundreds, even thousands in the process.
PROS
- Take a break from high-interest payments into 2027
- Elevated cash back rate on common rotating categories
- Discover will match all the cash back you’ve earned at the end of your first year.
- Late payments won't raise your APR
- $0 annual fee and 0% foreign transaction fee
CONS
- Requires you to activate the highest-earning category each quarter
- Not as widely accepted overseas as Visa or Mastercard
- Discover does not have a travel portal to redeem rewards through
4.7
FinanceBuzz rating
Excellent for high-rate cash back categories
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4.7
Intro APR
Purchases:
0%, 15 months
0%, 15 months
Balance Transfers:
0%, 15 months
0%, 15 months
Regular APR
17.74% - 26.74% Variable
Annual Fee
$0
Rewards Rate
1% - 5%
Cash back
Why We Like It
Card Details
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 now 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 17.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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Discover it® Cash Back
Pay no interest until 2027! Earn top-notch cash back rewards. No annual fee.
Rates and fees