How long is the Discover it Cash Back shipping time?
8
UpvotesReply
WalletHub
It generally takes 5-7 business days following account approval to get a Discover card in the mail. You can find more information here.
Discover it® Cash Back
Discover it® Cash Back
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Sponsored CardRates & Fees
Rewards1,560Reviews79Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Every $1 you earn in cash back is $1 you can redeem.
APR on Purchases
0% intro APR for 15 months, 14.99% - 25.99% Variable APR after that
Balance Transfer
0% intro APR for 15 months, 14.99% - 25.99% Variable APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
November 1st, 2022
Discover it Cash Back Pros & Cons
Rewards earned in the first year get doubled
Up to 5% cash back
No annual fee
0% intro rates for 15 months
Potential for a very high regular APR
Bonus reward categories rotate, require quarterly signup and limit earnings
Balance transfer fee
Discover it Cash Back's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| cash advance APR | 27.99% Variable |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-signature |
| max late fee | $41 |
| max overlimit fee | See Terms |
| max penalty APR | None |
| grace period | See Terms |
INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click "Apply Now" to see terms and conditions.
Discover it Cash Back FAQ
Can't find what you are looking for? Submit your question about Discover it® Cash Back to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How much is the Discover it card over limit fee?
7
UpvotesReply
Donald Elmer
Discover it Card does not have an over-limit fee. Credit card companies charge this fee if a cardholder makes a purchase that exceeds the credit limit. The over-limit fee is typically $25 the first time you go over the credit limit. It can increase to as much as $35 for...
What is the Discover it Card late fee?
7
UpvotesReply
Dominick Evans
The maximum Discover it Card late fee is $41. There is no fee for the first late payment, and there is no penalty APR. Discover offers a grace period of up to 25 days from the end of the billing period to make at least the minimum payment and...
How can I pre-qualify for the Discover it Cash Back card?
7
UpvotesReply
Daniel Phaneuf
There is no way to prequalify for the Discover it Cash Back card. The only way to determine if they can establish an account is by applying.
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What's the phone number I can call to apply for the Discover it Cash Back card?
7
UpvotesReply
Mark Stam
To apply for a Discover it Cash Back card by phone, call 800-347-2683. But I find applying online to be way faster and more convenient.
How do you do a balance transfer to Discover it Cash Back?
6
UpvotesReply
WalletHub
To do a balance transfer to a Discover it Cash Back card, log in to your online account or call Discover at 1-800-767-7339. You can also request a balance transfer when you apply for Discover it Cash Back, if you don't already have an account.
How to Do a...
How can I add a Discover it Cash Back authorized user?
6
UpvotesReply
Saul Allen
You can add a Discover it Cash Back authorized user online or by phone (800-347-2683).
You'll then need to enter the user's name, SSN, date of birth and address.
How does Discover it Card auto pay work?
6
UpvotesReply
James Jackson
Discover it Card auto pay, also known as DirectPay, allows cardholders to set up recurring payments, which are automatically withdrawn from a linked bank account every month. To enroll, log in to your online account or visit the DirectPay home page. You will need to enter your address, phone number,...
How do I check my Discover it card balance?
6
UpvotesReply
James Jackson
The quickest way to check your Discover it Card balance is through your online account or the Discover mobile app. When you log in, your Account Summary will immediately appear. You will see your current balance and other account details such as total credit limit, minimum payment due, payment due...
Can I apply for the Discover it Cash Back card as a Canadian?
6
UpvotesReply
Paige Philips
Unless you've got an SSN, then unfortunately you won't be able to apply for the Discover it Cashback card. So no Canadian applicants for now, unfortunately.
Compare The Discover it Cash Back
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Transfer Intro APRNot Offered
Regular APR14.99% - 25.99% Variable
Regular APR14.99% - 25.99% Variable
Regular APR18.99% - 25.99% (V)
Rewards Rate1 - 5% Cash Back
Rewards Rate1 - 2% Cash Back
Rewards Rate1 - 5 points / $1
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Discover it Cash Back Reviews
Share your insights and review the Discover it® Cash Back
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1,560 reviews
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5 Star Rating
Verified CustomerDiscover has excellent customer service so far and superior monitoring we have had no trouble with our disputes on charges we have not made or not received etc. we don't carry cash just our Discover credit card it's always accepted we really like the cash back it comes in handy with the budget.
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1 Star Rating
Verified CustomerAwful Customer Service! Also Discover likes to randomly raise interest rates and fees without any knowledge ahead of time!! STAY CLEAR! GO CAPITAL ONE OR US BANK!!!!!!!
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1 Star Rating
Verified CustomerThey Reduce a credit line with a balance of $468 with a credit line of $9900 to $500 which caused my small monthly amazon charges to be declined. It's a terrible business practice after being a loyal card holder since 2017 with never a late payment or high credit usage. If I was on vacation and thst happened without my knowledge, it could of been catastrophy. No way to do business. Never had a late payment my whole life
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5 Star Rating
Verified CustomerI love Discover! The company has always been helpful to me. I like the support offered when problems have occurred. I’ve always wanted to do business with Discover.
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1 Star Rating
They'll give big lines of credit, sure, but the second you need assistance w anything you'll get transferred between different departments to be ultimately told no one can help.
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5 Star Rating
Verified CustomerDiscover is there when I need it. Cash back is great but I don't use some of the quarterly features. When I do, it comes in handy, especially when it comes time to pay the bill. My Discover card is my #2 payment method.
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4 Star Rating
Verified CustomerVery good card. Matches your cashback at the end of your first year. Very much needed for a first time card. Will refer others to get this card
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5 Star Rating
Verified CustomerGreat card for students and building credit! I love the credit monitoring and ability to freeze my account. New 5% rewards keeps things fresh.
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5 Star Rating
Verified CustomerCustomer service representative is very helpful. Answers all my questions in a timely manner.
I will recommend the Discover Card to other people
I will recommend the Discover Card to other people
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5 Star Rating
Just got approved for 5000 don’t know how that happen but I’m happy to give this credit card a try. I just hope this credit card come out to be a great card.
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Review Discover it® Cash Back
Expert Thoughts on Discover it Cash Back
There is always something new to discover about credit cards, especially when you ask a panel of experts to lead the class. That is exactly what we did, too, posing the following questions about Discover it credit cards, particularly Discover it Cash Back, to a group that certainly has some insights to share.
- Do you think Discover’s policy of matching the rewards cardholders earn the first year will last?
- What type of person should consider a credit card with bonus rewards on purchases categories that rotate each quarter?
- What would you say the biggest conception people have about Discover credit cards is, and why do you think people feel that way?
Frank G. Cabano
Assistant Professor of Marketing, University of Texas at El Paso - College of Business Administration
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Assistant Professor of Marketing, University of Texas at El Paso - College of Business Administration
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A. Ant Ozok
Ph.D., Associate Professor, Department of Information Systems, University of Maryland, Baltimore County
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Ph.D., Associate Professor, Department of Information Systems, University of Maryland, Baltimore County
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Karen M. McGrath
Ph.D., LEED AP, Assistant Professor of Finance, Bucknell University - Freeman College of Management
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Ph.D., LEED AP, Assistant Professor of Finance, Bucknell University - Freeman College of Management
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Min Zhao
Associate Professor of Marketing, Carroll School of Management, Boston College
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Associate Professor of Marketing, Carroll School of Management, Boston College
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Brian Walkup
Associate Professor, Rollins College
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Associate Professor, Rollins College
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Offer last updated: Nov 1st, 2022 at 09:29 ET