Is the Discover it Cash Back card a business credit card?
6
UpvotesReply
Rachel Gunn
The Discover it Cashback card is not a business card. It is a personal credit card.
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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Where can I check my Discover it Cash Back card balance?
5
UpvotesReply
Phyliss Hulsey
You can check your Discover it Cash Back card balance online by signing in to your account. You could also use Discover's mobile banking app for iOS and Android.
If you're not keen on online stuff, call their customer service line at (800) 347-2683 to find out your card's balance.
How do I apply for the Discover it Cash Back card?
5
UpvotesReply
Daniel Phaneuf
You can apply for a Discover it Cash Back card online or by telephone at 1 (800) 347-2683.
Once you submit your Discover it card application, you may get approved instantly or you might have to wait 7-10 business days for a decision. For a speedy application process and...
Can I use my Discover it Cash Back card immediately upon approval?
5
UpvotesReply
Robbie Marr
You cannot use your Discover it Cash Back card immediately upon approval.
You will have to wait for it to arrive in your mailbox with your Welcome Kit.
How do I customize my Discover it Card?
5
UpvotesReply
Charles Denardo
You can customize a Discover it Card from your online account. If you're applying for the Discover it Card, you can customize the card through the online application. For cardholders, log in and under the "Manage" tab, click "Add or Replace a Card." From the Card Design Gallery, choose from...
Can you get a Discover it Card with no credit?
5
UpvotesReply
Ethel Herrin
You cannot get a Discover it® Cash Back card with no credit. You will need at least good credit (700+ credit score) to qualify for the Discover it® Cash Back card and most other Discover cards. Discover will also consider your income, employment status, debt to income level,...
Can I get cash back on my Discover credit card?
5
UpvotesReply
Dan Tomlin
Yes, you can get cash back on your Discover credit card, in the form of statement credit. You can also deposit any amount to your bank account.
To do this, sign in to your Discover account and click on “Rewards”. Then, select “Redeem Cashback Bonus” to be redirected to...
Does Discover it Cash Back use TransUnion for approval?
5
UpvotesReply
@pinkstar
Yes, Discover will use the credit score from your TransUnion credit report to determine approval for the Discover it Cash Back card. In some rare ocasions they may use Equifax or Experian, but they sure seem to prefer TransUnion.
What is the Discover it Cash Back card's balance transfer APR?
5
UpvotesReply
Andrew Hawkins
The maximum Discover it Cashback balance transfer APR is 24.5%. It pretty much depends on your creditworthiness.
How can I correct my Discover it Cash Back application?
5
UpvotesReply
Bogdan Roberts
You can correct your Discover it Cash Back application by calling Discover at (888) 337-7253 for assistance and to see if the information in question can be updated. This line is available 24 hours a day.
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 CustomerThis is one of the best card to have ! Never had a problem card is excepted almost every where I suggest this card for on the go people
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5 Star Rating
Verified CustomerVery good card to put to use responsibly. I like Discover the most. As the have a great app and are very seamless and have other products along with credit cards that can help one.
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5 Star Rating
Verified CustomerIt has been a good card through the years I've had it. The rewards are really nice on it & they are really easy to use & cash in on the website.
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2 Star Rating
Long time discover member. Recently received the DiscoverIT card and it came broken/chipmalfunction. Called to get a new card; two weeks later no response. Called again and had card shipped out, but Discover would not reimburse the lost rewards. A billion dollar company would not reimburse $20 of rewards?? Moving to Visa.
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5 Star Rating
Verified CustomerWhat a “fun” credit card!
Especially if you’re into retail therapy and cash back bonus’s, this is the credit card for you!
Every 2-3 months, it offers discounts to support saving money (and of course using the their card).
And let’s not forget, the fun designs for the card it self! I love that I get to pick a design that fits who I am. Oh and the monthly payments are affordable and the APR is “accurate”
Especially if you’re into retail therapy and cash back bonus’s, this is the credit card for you!
Every 2-3 months, it offers discounts to support saving money (and of course using the their card).
And let’s not forget, the fun designs for the card it self! I love that I get to pick a design that fits who I am. Oh and the monthly payments are affordable and the APR is “accurate”
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5 Star Rating
Verified CustomerAlways pay on time every single month, never have had even one single late payment. My credit line is $1500.00 and only Owe a balance of 186.00
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5 Star Rating
Verified CustomerI love Discover!! By far the best FIRST credit card to get when just starting out or when rebuilding your credit!!! They gave me the opportunity to build my credit up when very few would!! Highly recommend!!!
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I so agree! Denied by US Bank and Chase, but approved by Discover!
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5 Star Rating
Verified CustomerDiscover has always been excellent to do business with. Customer service is top notch and always there to answer questions and addresses any concerns in a respectful timely manner
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5 Star Rating
Verified CustomerExcellent customer service. Answered questions whenever I requested information. Did not send a lot of questionable messages. Only contacted me when absolutely necessary.
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4 Star Rating
Verified CustomerHave had this card for sometime. They have the best customer service in the business period . They do automatically raise your limit without applying periodically.
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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