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Discover it® Cash Back Card

The cash back card made especially for everyone

See if you’re pre-approved with no harm to your credit score†

See if you’re pre-approved with no harm to your credit score†

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Unlimited Cashback Match

We’ll automatically match all the cash back

you’ve earned at the end of your first year.1

We have your back in
case of fraud

$0 Fraud Liability Guarantee. We'll never hold you responsible for unauthorized purchases on your Discover Card account.2

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Real people. For the real you.

You can talk to a real human in customer service any time, day or night.3

Accepted where you love
to shop nationwide

Discover is accepted nationwide by 99% of the places that take credit cards.6

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The best part of earning is redeeming

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Earn rewards on every purchase where Digital Wallets are accepted

 

Once you put your Discover Card in your Digital Wallet, you're all set to earn rewards on purchases big and small, just like with your physical card.

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$1 cash back = $1 to redeem

 

With Discover, you earn cash back not points. So, every $1 you earn is worth $1 when you redeem.4

 

Rewards won't expire for the life of the account. Redeem cash back for any amount.4

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Where can you get 5% cash back today?

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99% nationwide acceptance: Discover is accepted nationwide by 99% of places that take credit cards.6

† There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

  1. Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  2. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

  3. Real human customer service 24/7: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

  4. Rewards Redemption: If your account is closed, we will send you a check or credit your account with your rewards balance; we reserve the right to determine the method to disburse your rewards balance. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Rewards redeemed for gift cards require a minimum amount to redeem.

  5. Q Program Details: QUARTER DISCLOSURE

  6. Acceptance: According to the Feb 2025 issue of the Nilson Report.