Discover it Cash Back - Find Me a Card

Discover it Cash Back

A no annual fee card with a good 5% cash back rate on categories that rotate (1% on everything else), with double the cash back in the first year.

Your total savings: $1,580 over the next 5 years

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Credit Score Required:
Average (670-739)

Rewards & Perks

Reward Highlights

  • 5% cash back (on up to $1,500 spent per quarter) in categories that rotate each quarter (e.g., gas, restaurants, groceries, and Amazon).
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.

Other Rewards & Perks

  • Free online access to your FICO credit score: You can opt-in to access your FICO Score updated monthly for free, within your Mobile Banking app or in Online Banking.
  • Free Social Security number alerts: These alerts will notify you if your Social Security Number is found on a Dark Web site.
  • Freeze or unfreeze your credit card at anytime: Switch your credit card off or on at anytime. By switching it off, you'll stop any new purchases, cash advances, or balance transfers on your account. This would be in effect until you decide to switch your credit card back on.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)

Special Signup (Promo) Rewards & Perks

  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 11.99-22.99%. (0% for the first 14 months.)
  • APR on balance transfers: 11.99-22.99%. (0% for the first 14 months on balance transfers that post to your account within the first 2-3 months.)
  • No foreign transaction fees.

Annual Fee: $0

Interest Rate (“Purchase APR”): 11.99-22.99% (0% for the first 14 months)

BT Fee: 5% of BT (3% for the first 2 months)

BT APR: 11.99-22.99% (0% for the first 14 months)

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

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Other Info

Date Introduced: 2013-01-02

Date Last Updated: 2021-01-15

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