Credit card rewards

What is the Discover it® Cash Back Card? contents
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What is the Discover it® Cash Back Card?

4 min read
Last Updated: December 4, 2024
Credit card rewards

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Key Takeaways

  1. The Discover it® Cash Back Card helps you earn rewards on every purchase, plus a match at the end of your first year.

  2. A Discover account includes extra security features to help protect you from identity theft and fraud.

  3. Keeping credit utilization low and paying bills on time could help you build credit history and maximize rewards.

The Discover it® Cash Back Card is a rewards credit card. Each time you make an eligible purchase using a rewards credit card, you receive a percentage back in some form. Some credit cards offer rewards only in specific categories. You could earn the most by choosing a credit card that rewards the purchases you already make. With the Discover it® Cash Back Card, you can earn cash back on everything you buy, like groceries or gas. Understanding the Discover it® Card’s features could help you maximize your rewards.

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What rewards does the Discover it® Cash Back Card offer?

When you use your Discover it® Cash Back Card on everyday purchases, you earn a percentage of the cost as a cash back reward. You can redeem your rewards for cash in several ways:

  • Depositing your cash back into your checking or savings accounts.
  • Redeem rewards for cash in any amount to help pay down your balance
  • Paying with your rewards at select retailers or redeem rewards for gift cards at popular brands.2

Some cash back rewards credit cards offer one flat rate across every purchase. However, with Discover, you earn more in certain popular categories each quarter

As you compare cash back credit cards, consider the purchases you make most often—maybe groceries, food, gas, clothes, or even household items. The right credit card should help you earn bonus cash on those purchases. With the Discover it® Cash Back Card, you can earn 5% cash back on everyday purchases at different places you shop each quarter, like grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.

Every quarter, you can earn even more cash back in a new bonus category. A little planning could help you maximize your rewards.

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Cashback Match after your first year

Discover takes your rewards even further after your first year of using the Discover it® Card with Cashback Match. Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.3

Discover cash back rewards never expire

Rewards from some credit card issuers may expire if you don’t use them within a specific period. However, with Discover, your cash back does not expire for the life of the account.4

Security features on the Discover it® Cash Back Card

Protecting your account and personal data is vital. That’s why Discover offers security features to monitor your account for theft and fraud. The following security features come with your Discover it® Cash Back Card:

If someone accesses and uses your card, don’t panic. You’re never held responsible for unauthorized purchases on your Discover Card.5

We’ll monitor the dark web and alert you if we find your Social Security number.6 Activate for free.

Discover gives you more control over your personal information online by regularly helping you to remove it from select people-search sites. It’s free, activate with the mobile app.7

Misplacing your credit card is nerve-wracking. Fortunately, if you lose your Discover Card, you can freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases and cash advances.8

Use your card responsibly to build credit

Over time, responsible credit card use could help you improve your credit score and build your credit history. Your spending habits determine part of your credit score. Try to use your credit card mostly for purchases you know you can afford to pay off quickly. This strategy may help you avoid credit card debt. Ideally, you don’t want to use the majority of your available credit. This is called your credit utilization rate.

Credit utilization plays a significant role in your financial well-being. Your credit utilization ratio shows the portion of your overall available credit that’s currently in use. A high credit utilization ratio could hurt your score.

Did you know?

Experts recommend keeping your credit utilization ratio below 30%. To do this, it’s a good idea to repay your balance in full each month. Plus, if you carry a high balance, interest charges may offset your rewards.

A consistent, positive payment history is key to building your credit. To avoid hurting your credit score, make payments by your credit card bill’s due date each month. Tools like autopay and payment alerts make it easier to stay on top of your credit card bills.

The Discover it® Cash Back Card offers a competitive rewards program, plus security features. By using your credit card responsibly, you could improve your credit and enjoy all the rewards your card earns.

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