0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Good Credit
Pros
Cons
Rewards Details
Additional Info
0% for 6 months
0% for 18 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 5% Cash Back
Good Credit
Pros
Cons
Rewards Details
Additional Info
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1 - 2% Cash Back
Good Credit
Pros
Cons
Rewards Details
Additional Info
0% for 15 months
0% for 15 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
16.99% - 27.99% Variable
annual fee
$0
rewards rate
1.5 miles / $1
Good Credit
Pros
Cons
Rewards Details
Additional Info
Secured Card
Min Deposit of $200
One-Time Fees
$0
27.99% Variable
annual fee
$0
monthly fee
$0
rewards rate
1 - 2% Cash Back
Bad Credit
Pros
Cons
Rewards Details
Additional Info
Get answers to your questions about Discover Credit Card Reviews below. For more general questions, visit our Answers section.
The Discover cash back bonus pays you back a certain percentage of the money you spend as a reward. The Discover cash back bonus can be redeemed either at select merchants or for cash. More specifically, there are three types of Discover cashback bonuses:
Discover's 2% cash back bonus and Cashback Match are fairly simple, but there are several other details you'll need to know about the 5% bonus. To start, Discover has a cash back calendar showing when the categories rotate. And to get the 5% Discover cashback bonus, you need to “activate” it every quarter. You can easily do so by logging in to your Discover account from their cash back bonus page. You can activate the new categories on the first day of the quarter.
The Discover card benefits include no annual fee and no foreign transaction fees on any card, along with security features such as SSN alerts and the ability to freeze your account on demand. Discover will also match all the rewards you earn in your first year. Plus, there's a “Cash at Checkout” feature that allows cardholders to withdraw cash when making a purchase with a Discover card at specific retailers. Withdrawals are limited to $120 every 24 hours. They are charged at the card's regular purchase APR, rather than the higher cash advance APR. All of these perks come standard on all Discover cards.
It's important to note that Discover discontinued several key benefits in 2018. Travel insurance and auto rental coverage are no longer available as of February 28, 2018. Purchase protection, extended warranties, and return guarantee protection were also dropped at that time. The price protection benefit was cut on October 31, 2018. Purchases and claims posted before the expiration dates still received coverage.
Discover will continue to provide free security benefits on all cards. They include 24/7 account monitoring, alerts that notify cardholders if their personal information has been compromised, and a “Freeze it” account feature. “Freeze it” allows cardholders to temporarily prevent any new purchases, cash advances or balance transfers if their card is lost or stolen.
The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as gas stations and digital wallets. Cash back categories are the types of purchases that cardholders can earn 5% cash back on, up to $1,500 spent per quarter.
Here are the Discover it Cash Back Categories for 2023
The categories rotate every quarter, and any purchases in these categories over the $1,500 quarterly limit earn 1% cash back until the next quarter. Purchases that don't qualify for the Discover it Cash Back card's bonus categories also get you 1% cash back.
Purchases fall into a bonus category based on "Merchant Category Codes," which are assigned by credit card networks to merchants according to the type of business they're operating. Keep in mind that you need to “activate” the categories each quarter on Discover's website. Fortunately, it's a simple process – you'll just have to log in to your online account and confirm the activation.
You can see the fine print for any exceptions to the categories on Discover's website. For example, Walmart and Target don't count as grocery stores.
It's also good to note a few other Discover credit cards have the same categories as the Discover it® Cash Back card each quarter. They are the Discover it® Student Cash Back and the NHL® Discover it® credit cards.
You can see what Discover it Cash Back designs are available online, either while applying for the card or, if you're already a cardholder, by logging into your account. Options for Discover it Cash Back designs depend on whether you're opening a new account or looking for a replacement card. You'll have a small number of generic designs to choose from when applying for a new account. But once your account is open, you can immediately order a replacement card bearing any of this card's many designs.
You can pick from a selection of 100+ designs in categories ranging from “Botanical” and “Patriotic” to “Sports” and “Wildlife.” Plus, it's free and really easy to do.
Here's how to get a new Discover it Cash Back card design:
1. Log into the Discover Account Center.
2. Pick a new design from the available options. There are more than a dozen categories and over 100 individual designs.
3. Wait 3-7 business days for your new card to arrive. Then destroy or return your old one. Your account number will stay the same.
Unfortunately, you can't see the full list of Discover it Cash Back designs without logging in. So, you can't check whether you like any of them before being approved for a card. Furthermore, the only credit card designs exclusive to Discover are those from NHL® Discover it®. You can personalize this card with a design for any of the teams in the National Hockey League.
Finally, it's worth noting that other credit card companies take card designs to another level by allowing you to upload a custom image. You can certainly compare these so-called photo credit cards to see what else they bring to the table. But you shouldn't get too caught up in appearances. At the end of the day, what your credit card looks like doesn't matter. What it offers in terms of rewards, rates and fees is what's important.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers:
