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
17.49% - 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. Plus, there is no cap on how much you could earn!
- 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.
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.
2026 Award Winner
Best for Balance Transfers
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4.5
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
17.49% - 28.24% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
Card Details
Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 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 17.49% - 28.24%, 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).
- Stay protected with Citi® Quick Lock
2026 AWARD WINNER
Best for 0% Intro APR and Rewards
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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
18.24% - 27.74% Variable
Annual Fee
$0
Rewards Rate
1.5% - 5%
Cash Back
Why We Like It
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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 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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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.