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
Rewards1,575Reviews78Q&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, 16.24% - 27.24% Variable APR after that
Balance Transfer
0% intro APR for 15 months, 16.24% - 27.24% Variable APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
February 7th, 2023
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 | 29.24% 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 16.24% to 27.24% 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 APR16.24% - 27.24% Variable
Regular APR16.24% - 27.24% Variable
Regular APR20.24% - 27.24% (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
3.8
1,575 reviews
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5 Star Rating
Verified CustomerGreat card, enjoying rewards and discounts. I have been a card holder for about 5 years. This card has saved me in many emergency situations and last minute plans.
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5 Star Rating
Verified CustomerThe application seems to always work. The representative always helpful and knowledgeable. Representative give good advice to fix an ongoing issue. The issue was with another vendor not reflecting refunds to Discover card.
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5 Star Rating
Verified CustomerThis is my best card. Overall I’ve had nothing but a good experiences with this card. It has no annual fee cashback. They also match your cashback on the first year and they give regular credit increases every six months as long as you are current and pay on time, if you are starting your credit journey, or repairing it, I would suggest Getting a Discover card even a secured Discover card is much better than other secured cards. You still get all the benefits of the cash back and matching of the cash back on the first year as a secured card holder. This is my best card overall, and use this daily . I have all my bills coming out of this card every month.
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2 Star Rating
Very bad customer service. They charge late fee and refuse to remove it. I will not recommend their service, please use other credit cards and other service with better benefits
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5 Star Rating
Verified CustomerThe rewards are great and the credit limit is awesome. Has really helped to substantiate my scores across the board. Would highly recommend.
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5 Star Rating
Verified CustomerMy rewards on my discover card is amazing and it really helps me save a lot of money for everyday purchases like gas and work clothing from Amazon.
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1 Star Rating
Avoid this credit card. Was a loyal customer for several years. I paid off my balance after carrying one for a while. I also increased my credit and wake up to an email stating my card is being closed for no reason other than the fact that I’m no longer carrying a balance so it’s not considered active. They given no warning, email stated that the card would be closed affected immediately and it’s a final decision what you have no say in. What a great way to treat loyal customers that paid their balance on time every single month and the entire time they have the card. As soon as you stop getting interest from them you cancel their account? Nothing like stating your money hungry.
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1 Star Rating
0 STARS- Save your time & go anywhere else! Discover is the only company that doesn’t reimburse you on the same day for theft. They didn’t reimburse for months just “investigated” & tanked my credit on a -1,600 balance.Once they finally reimbursed my discover card & sent me a new one they closed my account due to “lack of information”!!! An absolute joke of a company that makes a joke out of you!
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5 Star Rating
Verified CustomerThe best credit card I own. Always recommend to all my friends and family. Love that it always has some type of promotion. Reason I always use it for my balance transfers
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1 Star Rating
Discover Card will not be on the consumers side of a transaction dispute. A company that goes out bankrupt, does not honor it's warranty, and can no longer be used due to company shutting down it's service, should be cut and dry for a charge back. However, Discover will not support the charge back because the merchant doesn't say it's owed back to the consumer. The company no longer exist, that should tell Discover that I am owed my money back. I will not use Discover Card again, and I don't recommend anyone else does.
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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: Feb 7th, 2023 at 13:52 ET