Discover it® Cash Back
Take a Break From High Interest: This Top Card Offers 0% Intro APR Until 2026
Apply Now
On Discover’s Secure Website
Rates & Fees
REWARD RATE info
1% - 5% Cash Back
INTRO OFFER info
Cashback Match
INTRO APR info
0%
on Balance Transfers and Purchases
ANNUAL FEE $0
RECOMMENDED CREDIT SCORE info
670 - 850
What you'll like about it
  • 5% on cash back at different places each quarter up to the quarterly maximum when you activate, including at Amazon.com and Target through December 2024
  • 1% cash back on all other purchases
  • Discover will match all the cash back you’ve earned at the end of your first year.
  • 0% intro APR for 15 months on purchases and balance transfers, APR then 17.74% - 27.74% Variable
  • $0 annual fee
4.7
info
FinanceBuzz rating
What we like about it

A simple but high-earning cash back card that you can use for your everyday purchases is a game changer. The FinanceBuzz editors reviewed dozens of cash back credit cards, and the Discover it® Cash Back is one of our top picks thanks to the ability to earn up to 5% cash back and a generous welcome bonus that doubles your cash back in your first year, all with no annual fee. In fact, our editors estimate the value of this card to be worth $1,070 in the first year based on its amazing benefits.1


Where this card really shines is the opportunity to rack up cash rewards, especially in year one with its generous welcome offer. 


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.


On top of that, for new cardholders, Discover will match all the cash back you’ve earned at the end of your first year. The up to 5% cash back reward rate and bonus offer could earn you up to 10% cash back your first year! 

Discover it® Cash Back benefits
Earn 5% at cash back at different places each quarter up to the quarterly maximum when you activate and 1% on all other purchases.
Take advantage of an incredible welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. No matter how much cash back you earn in your first year, you will be matched that amount. Plus, there is no minimum spending requirement — a rarity for welcome offers.
Enjoy 0% introductory APR for 15 months on purchases and balance transfers, APR then 17.74% - 27.74% Variable.
Redeem your rewards for cash at any time. Redemption options include a statement credit, bank account deposit, or gift cards to dozens of popular retailers.
Get added personal data protection: Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free — activate with the mobile app.
Avoid your initial late payment fee: The first time you're late with a payment, there's no late payment fee. If you miss a subsequent payment, you will pay a fee of up to $41. Discover also doesn't charge a penalty APR.
Keep even more money in your wallet — with the Discover it® Cash Back, the annual fee is simply $0.
Discover it® Cash Back
Take a Break From High Interest with 0% Intro APR Until 2026
Apply Now