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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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Real people. For the real you.

You can talk to a real human in customer service any time, day or night.1

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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Blue Discover it credit card emerging from an orange circle

Cashback Match without limits

We’ll automatically match all the cash back

you’ve earned at the end of your first year.3

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


Your rewards never expire. Redeem any amount,

any time.5

There is no hard inquiry to your credit report to check if you're pre-qualified. If you're pre-qualified, 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 prequalifying offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive prequalifying offers. Card applicants cannot prequalify for the NHL Discover Card.

  1. 100% U.S. Based Customer Service: 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.

  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. Cashback Match: Only from Discover as of April 2024. We'll match all the cash back rewards 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've earned cash back rewards 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; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  4. You earn rewards, called Cashback Bonus®, which is stored in your rewards balance and must be redeemed in order to spend. Cashback Bonus can be redeemed via statement credit, electronic deposit to a linked account, paying at select merchants, purchasing gift cards, or donating to charity.​

  5. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

  6. Q Program Details: QUARTER DISCLOSURE

  7. Acceptance: According to the Feb 2024 issue of the Nilson Report.