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Discover it® Card

No annual fee

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Discover it® Card

No annual fee*

You EARN cash back

Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com and more - on up to $1500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
5% Cashback Calendar

We MATCH it all your first year

Only Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year. Only for new cardmembers.2

Your cash back NEVER EXPIRES. Redeem in any amount, at any time.3

Compare the Discover it® Card

Compare Credit Cards to Discover Chart

Discover it® Cash Credit Card

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Blue Cash Everyday®Card
from American
Express®
Chase
Freedom
Unlimited
Capital One®
Quicksilver®
Cash Rewards
Citi®Double
Cash Card
Bank
Americard
Cash Rewards™
No Annual Fee * Discover it cash card offered benefit Blue Cash Everyday® Card from American Express® Offered benefit Chase Freedom
Unlimited
Offered benefit
Capital One® Quicksilver® Cash Rewards Offered benefit Citi® Double Cash Card Offered benefit Bank Americard Cash Rewards™ Offered benefit
Rewards
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers 2 Comparing cash credit cardsCash Credit CardDiscover it cash card offered benefit Blue Cash Everyday® Card from American Express®Card not offered benefit Chase Freedom UnlimitedCard not offered benefit Capital One® Quicksilver® Cash RewardsCard not offered benefit Citi® Double Cash CardCard not offered benefit Bank Americard Cash Rewards™Card not offered benefit
5% cash back in categories that change each quarter offered to all cardmembers up to the quarterly maximum when you sign up Comparing cash credit cardsCash Credit CardDiscover it cash card offered benefit Blue Cash Everyday® Card from American Express®Card not offered benefit Chase Freedom UnlimitedCard not offered benefit Capital One® Quicksilver® Cash RewardsCard not offered benefit Citi® Double Cash CardCard not offered benefit Bank Americard Cash Rewards™Card not offered benefit
1% cash back or more on all other purchases with no cap Comparing cash credit cardsCash Credit CardDiscover it cash card offered benefit Blue Cash Everyday® Card from American Express®Offered benefit Chase Freedom UnlimitedOffered benefit Capital One® Quicksilver® Cash RewardsOffered benefit Citi® Double Cash CardOffered benefit Bank Americard Cash Rewards™Offered benefit
See Full Chart

Comparison conducted by an independent research firm and based on competitor data compiled in June 2016, from company websites, customer service agents, and consumer credit offers. ‡ Citi® Double Cash Card offers 1% cash back on purchases and then 1% cash back as you pay for purchases. ‡ Capital One® Quicksilver® offers 1.5% cash back on every purchase. ‡Chase Freedom Unlimited offers 1.5% cash back on every purchase.

Freeze your card Discover Freeze it

Freeze ItSM on/off switch for your account.

Now if you misplace your credit card, you can Freeze It to prevent new purchases, cash advances or balance transfers on your account. Freeze or unfreeze in seconds with our mobile app or website.4

Fico credit score meter

Track your recent FICO® Credit Scores for free.5

Discover was the first credit card to provide your FICO® Credit Score on monthly statements and online for free. Now you can see your recent scores in one easy-to-read chart any time.
Learn More About FICO® Credit Scores

Discover it cash credit card security

Looking out for you.

We monitor every purchase, every single day and let you know of any activity that looks suspicious with an email, text or phone call. And of course, we never hold you responsible for unauthorized purchases on your Discover card.

Discover U.S. Customer Service

100% U.S.-based customer Service.

Reach our live customer service any time you call. We won't waste your time trying to sell you other products when you call. Plus get powerful, fast mobile and online service. We overnight ship replacement cards for free to any U.S. street address at your request.6

All with no annual fee.*

0% Intro APR for 12 months on purchases and balance transfers.

Then 11.24% to 23.24% Standard Variable Purchase APR applies.

3% fee for each balance transfer.

See Disclosures
  1. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/it-card/reviews/
  2. Cashback MatchTM: Only from Discover, as of June 2016. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. Redeem Any Amount Any Time: 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.
  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, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  5. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to the Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
  6. Free Overnight Card Replacement: 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.
  • Intro purchase APR is 0% for 12 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 12 months from date of first transfer, for transfers under this offer that post to your account by January 10, 2017 ; then the standard purchase APR applies. Standard purchase APR: 11.24% variable to 23.24% variable, based on your creditworthiness. Cash APR: 25.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer . Annual Fee: None. Rates as of September 30, 2016. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Cardmember Reviews

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Rated 4.8 out of 5 by 14978reviewers.
Rated 5 out of 5 I love the Discover Card Online easy access, also the app works great. No hassles, works with Ipay. Awesome cash back rewards. October 18, 2015
Rated 5 out of 5 Love my Discover Card! I have only had the card for about 2 months and I am getting cash back! The cash can be used to pay on your bill! I like that. Thanks Discover! October 18, 2015
Rated 5 out of 5 No Problems I have never had any problems using my Discover card. The customer service department is awesome! Always friendly, courteous and ready to help. October 18, 2015
Rated 5 out of 5 My Discover I truly am happy with my decision to get a Discover Card. The online services, the rewards, the customer service they all add to the value of this card. October 18, 2015
Rated 5 out of 5 my first credit card Really good company to work with. .love the cash back October 18, 2015
Rated 5 out of 5 Discover Card IT Great card, and benefits. I use discover as my primary card and will continue to do so. The card is helping me establish solid credit history and thank discover for the wonderful opportunity. October 18, 2015
Rated 5 out of 5 Service and FICO score Get Fico score. Great customer service. When traveling overseas there is no extra service charges which could be 3 to 4 percent. Discover has joined with JCB which is the major credit card in Asia. I also like that my bonus can be used on Amazon purchases. October 18, 2015
Rated 5 out of 5 Excellent reward card with great support Excellent cash back earnings on this card. With bonus categories and Discover deals you have plenty of options to earn large cash back rewards. They also rolled out Apple Pay which gives you an additional 10% cash back when you use it through the end of 2015. Since opening my account I have received approximately $1500 in cash back rewards. I have also used price protection a couple of times saving me over $500 total. The process was painless. Customer service is first rate. Love this card. October 18, 2015
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