DISCOVER IT® business credit CARD

Unlimited 1.5% cash back rewards

Get 1.5% cash back on every business purchase. Then we'll match it all at the end of your first year.1

No annual fee

Why a business credit card from Discover?

What can 1.5% cash back do for your business?

Earn cash back on every purchase with every card – plus an unlimited Cashback Match your first year.1

How much do you purchase with credit cards each year?


What cash back you'd earn each year at 1.5%


Total you'd automatically get with Cashback Match at the end of your first year

Small business owner checking details of her Discover business credit card on a laptop.

A business credit card designed to help your small business

Get up to 50 free employee cards

Customize employee spending limits and earn rewards on their purchases to help maximize your cash back.

Streamline your account management

Download transactions easily into Quicken, QuickBooks and Excel to make back office work more efficient.

Save time with the Discover mobile app

Access your account from anywhere with the convenience of our mobile app.

A business credit card with no annual fee and low intro APR

0% Intro APR for 12 months on purchases. Then 12.99% to 20.99% Standard Variable Purchase APR will apply.

Discover it® Business Credit Card

Do business anywhere with the Discover mobile app

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Check transactions


Redeem cash back rewards2


See your FICO® Credit Score for free6

And more...

Business Credit Card FAQs

Many business owners prefer to use a business credit card, rather than a personal credit card, to keep business expenses separate. Credit cards for small business owners have additional account benefits like employee cards that earn rewards and have custom spending limits. The Discover it® Business credit card also offers easy transaction downloads to popular accounting software.

A small business credit card application asks for some of the same information as a personal credit card application. But much of the information you'll need to apply for a business credit card is different. You may need to provide:

  • Your business' legal name
  • Your company structure
  • The industry that best suits your business
  • Your annual business revenue
  • Your personal total annual income

To be approved for a Discover business card, you'll need to own 100% of a business older than one year and have significant responsibility for managing it. If you have employees, you can give them up to 50 free employee credit cards, and customize their spending limits. Plus you’ll earn rewards on all their Discover business card purchases.

No. There is no foreign transaction fee. That means you'll still earn rewards without being charged an extra fee for international credit card charges. In addition to no foreign transaction fee, the Discover it® Business credit card also has no pay-by-phone fee, no overlimit fee, no late fee on your first late payment and no APR increase for paying late. And of course, there is no annual fee. See pricing details.

Every purchase with your Discover it® Business credit card earns unlimited 1.5% cash back automatically. And with Cashback Match, we'll automatically match all the cash back your business has earned at the end of your first year, dollar for dollar.1 There's no signing up, no minimum purchase requirements and no limit to the amount we'll match. You can turn $250 cash back into $500 as easily as turning $350 into $700.

Consider every way your Discover it® Business credit card can earn cash back:

  • Insert or swipe your business credit card for every in-store purchase
  • Shop online with your business credit card and store it with your favorite shopping websites or apps as the default choice
  • Pay invoices or monthly bills with your business credit card
  • Add up to 50 employees to your business credit card account and earn rewards on all their purchases as well

Help protect your business with built-in security features

Service you can count on

Your business is your passion – we're here to help

  • The Discover it® Business credit card helps you streamline your expense management and earn meaningful cash back rewards that never expire2 – all with no annual fee.

Need a personal credit card instead of a business card?

  1. Cashback Match: Only from Discover, as of November 2021. 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.

  2. Your rewards never expire: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

  3. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  6. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See about the availability of your score. Your score, key factors and other credit information are available on Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit

  7. Acceptance: According to the Feb 2021 issue of the Nilson Report.

  8. Amazon: Amazon is not a sponsor of this promotion. Amazon, the logo and the smile logo are trademarks of Amazon or its affiliates.

  9. $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