Discover it® Cash Back
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Discover
- Intro purchase APR
- 0% for 18 months from account opening
At a glance
The Discover It Cash Back Card is a cash back credit card that offers enhanced earning potential in a selection of rotating categories. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, Discover’s bonus cash back match, and no annual fee or foreign transaction fees.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
- Earn 1% cash back on all other purchases automatically
- Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
- Cash back rewards never expire, earn unlimited cash back Use rewards at Amazon checkout
- Use rewards at Amazon checkout
- No annual fee
Who this card may suit
- You want to earn 5% back on select category purchases each quarter, including restaurants, gas stations, select rideshares, and online shopping
- You don’t want to pay an annual fee or foreign transaction fees
- You want 100% U.S.-based customer service
- You don’t mind rotating categories changing every three months
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 18 months from account opening |
| Regular Purchase APR | 17.24% to 28.24% variable based on creditworthiness and Prime Rate |
| Intro Balance Transfer APR | 0% for 18 months from date of first transfer |
| Balance Transfer APR | 17.24% to 28.24% variable based on creditworthiness and Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer |
| Cash Advance Transaction Fee | $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | None the first time you pay late. After that, up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Discover it® Cash Back
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