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Discover it® Cash Back

  • $0 Annual Fee

    Fee for maintaining card

  • $0 Welcome Offer Value

    As of 06/2018

  • 1% Cash Back

    Rewards rate

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

If you have good to excellent credit, and you’re in the market for a great cash back card, it’s a no-brainer to consider Discover.

The Discover it® Cash Back, with its fantastic Cashback Match program that doubles your cash back at the end of your first year, no annual fee, and award-winning customer service is one of the best cards around.

At a glance

Discover it® Cash Back

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

$0

$0

1% Cash Back

Annual Fee

Welcome
Offer Value

Rewards Rate

Discover it® Cash Back deep dive

The Discover it® Cash Back card is all about how and when you use it, and the primary value of this card is in the 5% cash back program. Planning your purchases based on the categories listed each quarter can help you earn 5% cash back on the first $1,500 you spend at those category retailers each quarter (but remember, you must enroll in the cash back program on a quarterly basis to start earning the cash back.

Not only will spending on rotating categories such as home improvement and wholesale clubs get you cash back, all your cash back will be matched dollar-for-dollar at the end of your first year.

The best part is that the cash back you earn never expires as long as your account is open and in good standing. You can redeem your cash back as a statement credit to your account, or even make a donation to your favorite charity.

Enjoy some peace of mind with Discover; you’re automatically protected against fraudulent charges on your Discover card and Discover will monitor your Social Security Number and alert you if your SSN is found on any of thousands of risky websites.

Get it: If you have good to excellent credit and you’re looking for a card with no annual fee, that you plan to use a lot in the first year, and great customer service is important to you

Some of the benefits of the Discover it® Cash Back include:

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Skip it: If you don’t want to keep track of rotating cash back categories, or you’d rather earn points towards a particular airline or hotel

Consider these drawbacks of the Discover it® Cash Back:

  • No immediate cash back bonus: Discover it® Cash Back will double your cash back at the end of your first year, but some cardholders may not want to wait that long
  • No fixed categories: If you want to take advantage of Discover’s Cashback Match program, you need to keep track of the rotating categories. Those who just want flat-rate cash back on fixed categories might want to look elsewhere
  • Enrollment required: Discover’s Cashback Match program is a fantastic opportunity that you don’t want to miss! In order to avail of the program, you must register and activate the 5% bonus categories at the beginning of each quarter. Activation is free, and you can register online through your account or over the phone
  • Might be difficult to find vendors outside of the U.S.: Discover cards run on their own payment processing network, which means some vendors may not accept it This is increasingly rare in the U.S., where 98% of the vendors who accept credit cards accept Discover, but you might want to carry a backup card while traveling abroad, just in case

Summary

If you’re looking for a solid cash back credit card with a chance to maximize your cash back far beyond 5%, the Discover it® Cash Back with its double-cash back bonus and Discover Deals is hard to ignore. If, however, you’re looking to get a bonus sooner, you want a wider variety of categories to earn bonus cash on, or you prefer a flat-rate cash back card, there are plenty of options to choose from.

We encourage you to provide honest and thorough feedback about your experience (not the experiences you’ve heard from other people), the good as well as the bad. But, we also want you to follow these content guidelines. The comments or responses that Credible posts under its official account are not provided, reviewed or endorsed by any of the financial institutions unless specifically stated otherwise in the response. Please keep in mind that the financial institution has no obligation to monitor any comments, questions or reviews you post and is therefore not responsible for ensuring your posts and/or questions are answered.

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