Discover it® Cash Back

Discover it® Cash Back
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
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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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Where can I check my Discover it Cash Back card balance?
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?
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?
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?
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?
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?
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?
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?
How can I correct my Discover it Cash Back application?
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.
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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?
Assistant Professor of Marketing, University of Texas at El Paso - College of Business Administration
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Ph.D., Associate Professor, Department of Information Systems, University of Maryland, Baltimore County
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Ph.D., LEED AP, Assistant Professor of Finance, Bucknell University - Freeman College of Management
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Associate Professor of Marketing, Carroll School of Management, Boston College
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Associate Professor, Rollins College
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