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

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 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 1560 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

27.99% 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 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.

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.

how do i redeem my points

Upvote

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...

How many categories have 5%cash back?

Upvotes

Compare The Discover it Cash Back

Discover it® Cash Back

Discover it® chrome

Chase Sapphire Preferred® Card

(1,560)

(224)

(3,450)

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 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

Discover it Cash Back Reviews

Share your insights and review the Discover it® Cash Back

3.8

What's Your Rating?

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

Monica
January 2, 2022 • @monicaf_37

Verified Customer

Wonderful card and love the cash back bonuses! Have had it for several years and enjoy the perks of this card. I am going to keep it for awhile.

Comment

Margaret Mark-Anthony
January 1, 2022 • @margaretm_91

Verified Customer

Great login site. Very generous with some zero % interest Balance Transfer offers recently which is helping me so much. This means a lot to me, especially because I am not a new customer. They are not required to make these offers. A big help. Thank you!!

Comment

thomas
January 1, 2022 • @thomash_371

Verified Customer

Love my cash back that I get from them. Definitely can use my cash back on other purchases I'm looking forward to getting more cash back

Comment

james
January 1, 2022 • @jamesd13

Verified Customer

Always reliable. Great offers. i also get offers here and there through mail or email. I'm always happy wen I get special offers. i plan on staying with them.

Comment

george jackson
December 31, 2021 • @georgej_85

Verified Customer

will not give me a line of credit and I do not understand and very late on report your info to the credit bureau and I always have to contact them online not personal with you

Comment

Joshua Bryant
December 17, 2021 • @joshuab_277

Verified Customer

Awesome company but been 3 years and no increase or change to unsecure. But they always answer any questions I need them to answer

Comment

pmo100
December 15, 2021 • @pmo100

Verified Customer

I loved my Discover It! card, but not anymore. I was given a $10,000 limit and put about $2,000 on it when I first got the card about 3 years ago. I rarely used it since, mostly for small purchases to keep it active. I never made a late payment on ANY of my cards, and have a score north of 700. Suddenly, and for no apparent reason, they lowered my limit to just over what I owe on the card, about $1,700. I called Customer Service and got no real explanation. I asked them to reinstate my 10K limit but the woman said wait about 6 months then apply for an increase. This line decrease they gave me hurt my credit score because my credit utilization ratio is nowhere what it was. I can no longer recommend Discover as a top credit card company.

Comment

Angelika
December 15, 2021 • @angelikam

Verified Customer

I like to use Discover card, no matter if I go out to eat or go shopping at the mall. The cash back awards also help. Lately I’ve been using the card more for Christmas shopping and online stores like Amazon.

Comment

Richard
December 12, 2021 • @richarda_209

Verified Customer

Decent and fair credit card company. When my water heater burst, Discover helped me purchase and install a new water heater in one of my homes immediately. There is nothing bad with Discover. My rating: 10 out of 10

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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