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
Rewards1,575Reviews78Q&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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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 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
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1,575 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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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