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Discover it® Cash Back

Discover it® Cash Back

Annual Fee

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 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

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 Review

The Discover it® Cash Back card is a good credit card that's worthwhile for people with a credit score of 700+ who want a $0 annual fee and a high cash back rewards rate. Discover it® Cash Back offers up to 5% cash back on purchases in bonus categories,... show more

View 1575 User Reviews

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

smart chip

Yes, chip-and-signature

max late fee

$41

max overlimit fee

See Terms

max penalty APR

None

grace period

See Terms

Apply Now

at Discover's secure site

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.

Apply Now

at Discover's secure site

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.

What is the Discover it Cash Back payment address?

Upvotes

Kendall Morris, Credit Cards Moderator

The Discover it® Cash Back payment address is:

Discover Financial Services
P.O. Box 6103
Carol Stream, Illinois 60197-6103

When paying Discover it Cash Back bills by mail, be sure to submit either a check or money order for the payment amount. Discover does not accept cash.

Tips For Mailing Discover it Cash Back Payments

Include your credit card number on your payment to avoid any processing delays.
Allow enough time for Discover to receive your payment on or before the due date, or it will be considered late.

Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Discover mobile app, or by calling customer service at 1 (800) 347-2683. Discover also allows in-person payments at local Discover branches.

What is the Discover it Cash Back authorized user bonus?

Upvotes

Ethel Herrin

The Discover it® Cash Back does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and Discover it Cash Back is not among the cards offering it.

Adding an authorized user to your ...

What is the Discover it Cash Back concierge benefit?

Upvotes

Adam McCann, Financial Writer

There is no Discover it Cash Back concierge benefit. Cardholders with questions about their account can call 1 (800) 347-2683 for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.

A concierge acts like an on-demand...

What is a credit balance refund on the Discover it Cash Back?

Upvotes

Adam McCann, Financial Writer

A credit balance refund on the Discover it® Cash Back is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $400, but pays $600, can get a credit balance refund of the $200 that they overpaid.

...

How do I make a Discover it Cash Back payment?

Upvotes

Kendall Morris, Credit Cards Moderator

You can make a Discover it Cash Back payment online, by phone, through the Discover mobile app, by mail or at a branch. To pay a Discover it Cash Back bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay,...

Is the Discover it card's cash back redeemable for cash or just Amazon payments?

Upvotes

Lucky Trexler

Statement credit, electronic deposit, Amazon, and various gift cards.

Can I use my Discover it Cash Back card anywhere?

Upvote

Liz Grayson

Yes, you can use your Discover it Cash Back anywhere Discover is accepted, which is almost 10.7 million merchant locations in the U.S. and more than 185 countries, worldwide.

Unfortunately, that number is slightly behind both Visa and Mastercard, the world's two largest credit card networks in terms of...

what does activate mean?

Upvotes

Compare The Discover it Cash Back

Discover it® Cash Back

Discover it® chrome

Chase Sapphire Preferred® Card

(1,575)

(226)

(3,456)

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 APRNot Offered

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

Discover it Cash Back Reviews

Share your insights and review the Discover it® Cash Back

3.8

What's Your Rating?

Barbara Hopper
January 28, 2022 • @barbiehoppee

A credit card company that actually cares about their customers ! Lightning fast assistance. And they are smart people. Not talking to some kid. No offense. Discover card ? Heck yes. I m a lifer. Thank you !

Comment

Ryan
January 26, 2022 • @ryanf_78

Verified Customer

Worst credit card company ever. If I could 0 stars I would. This is the worst credit card company ever. They closed my account with a 740
Credit score and zero balance. F discover

Comment

Joseph
April 24, 2022 • @joey_nabors

Had it been a while since you had used it?

Comment

Dianne
January 24, 2022 • @diannew_15

Verified Customer

I do not like this card. I will pay this card off. I will not want to use this card again.

It does not help my credit get better at all.

Comment

Derro95
January 21, 2022 • @Derro95

This is the ONLY card out of several that insists on taking 8 calendar days (a week and a half) to show new available credit amount after a payment posts.. A full week and a half. And they take the entire amount of time. Capital One shows new balance within minutes lol. This card is a joke. I have no idea why it's rated so high.

Comment

Elizabeth
January 19, 2022 • @elizabethd_171

Verified Customer

One of the best credit cards. Great rewards too. Never any issues when I call them. Unlike another card we have that I am not using anymore.

Comment

Shawna Lang
January 16, 2022 • @shawna_lang

Overall I’m happy with the card and customer service is helpful except for one major issue—it takes FOREVER for payments to go through and available credit to be adjusted. With my other cards, it is reflected right away but with Discover it can take up to 8 days unless you call and have them verify funds with your bank. I don’t understand why they have to do things this way and may be a deal breaker for me. Even after the payment posts to my bank the credit still isn’t available and is extremely frustrating.

Comment

Jane
January 6, 2022 • @janeg_26

Verified Customer

It’s ok but does not offer a change I. Interest and just not helpful Financially. I have tried to work with them but not helpful like other cards. I want to transfer to a new card the balance from Discover.

Comment

William Jones
January 4, 2022 • @tnlobo420

Card is great - good rewards. I would use another card for major transactions that might result in a dispute process. Other credit card companies protect the customer, Discover goes out of their way to protect the seller, no matter what kind of crap the sell .....

Comment

John Paul
January 3, 2022 • @john_pault

Verified Customer

I shouldn't have to activate any reward manually. Rewards should occur automatically. Also.... I failed to win my last dispute with a concert tshirt vendor at a Kiss Concert in Nashville. Shirts were price marked in a misleading manner and I was held responsible with no apparent investigation past vendors initial defense response.

Comment

Joyce
January 2, 2022 • @joyceh_90

Verified Customer

This is a good card just no reward no cash back they give nothing its good if you need credit but that's about all it's good for a credit line

Comment

Tiara
May 27, 2022 • @tdg2929

You have to manually activate the 5% cashback in the rewards section, if you haven’t already

Comment

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
Read More

A. Ant Ozok
Ph.D., Associate Professor, Department of Information Systems, University of Maryland, Baltimore County
Read More

Karen M. McGrath
Ph.D., LEED AP, Assistant Professor of Finance, Bucknell University - Freeman College of Management
Read More

Min Zhao
Associate Professor of Marketing, Carroll School of Management, Boston College
Read More

Brian Walkup
Associate Professor, Rollins College
Read More

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.

Discover it® Cash Back

Discover it® Cash Back

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Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

Discover it Cash Back Pros & Cons

Discover it Cash Back Review

Discover it Cash Back's Additional Info

Discover it Cash Back FAQ

Compare The Discover it Cash Back

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