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;
Balance transfer fee applies0%, 15 months;
Regular APR
17.49% - 26.49% 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. 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.
Did You Know?
You can get a response to your application in 90 seconds or less.1 <p>Decisioning times may vary based on system availability and in some cases, we need to verify or collect additional information from you. Secured Card applicants are not eligible to receive a decision in as little as 90 seconds.</p>
Why You'll Love The Discover it® Cash Back
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.
- Incredible Intro APR offer: If you want to tackle high-interest debt or finance large purchases (or both!), this card 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.
- 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.
- 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
Good
670-739
Excellent
740-850
» Click here to apply now and pay 0% intro APR until 2027
We think the Discover it® Cash Back is tough to beat, but if you'd like to explore other options, here are three great alternatives.
Excellent for paying down debt
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4.4
Intro APR
Purchases:
0%, 12 months from date of account opening
0%, 12 months from date of account opening
Balance Transfers:
0%, 21 months from date of account opening
0%, 21 months from date of account opening
Regular APR
16.49% - 27.24% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
Card Details
Card Details
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Excellent for balance transfers and easy travel rewards redemption
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4.4
Intro APR
Purchases:
0%, 15 billing cycles
0%, 15 billing cycles
Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days
0%, 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.49% - 27.49% Variable
Annual Fee
$0
Rewards Rate
1.5X - 3X
Points
Why We Like It
Card Details
Card Details
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 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 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer Card
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4.9
Intro APR
Purchases:
0%, 21 months from account opening
0%, 21 months from account opening
Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers
0%, 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable
Annual Fee
$0
Rewards Rate
N/A
Why We Like It
Card Details
Card Details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
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Discover it® Cash Back
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.
Pay 0% intro APR on purchases + balance transfers for 15 months, then 17.49% - 26.49% Variable APR.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.