There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.
Discover it® Cash Back Credit Card
Unlimited Cashback Match
Discover matches all the cash back you've earned at the end of your first year1 - so $150 cash back turns into $300 cash back.
Where can you get 5% cash back today?
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99% nationwide acceptance: Discover is accepted nationwide by 99% of the places that take credit cards.2
25 card designs. Which one fits you?
Choose from 25 colorful designs when you apply to become a Discover it® card member.
The security you expect from Discover
Online Privacy Protection
We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app.14
Free Social Security number alerts
Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. 6 Activate for free.
Turn your account on/off with Freeze it®
If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it® on/off switch on our mobile app and website.7
$0 Fraud Liability Guarantee
You're never responsible for unauthorized purchases on your Discover Card.12
Your Discover it® cash back rewards never expire
Redeem your cash back when it suits you best, any time for any amount, even $.01.3
Here are some of the ways you can redeem your cash back
Deposit cash back directly into your bank account
Apply it as a statement credit on your Discover card balance
Pay with Cashback Bonus: Use your rewards at checkout at Amazon.com4 and Paypal5
Cash back credit card FAQs
Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it® cash back card.1 So if you earn $50 cash back, we'll give you another $50.
You don’t have to do anything. There's no signing up, just use your Discover card for everyday purchases to earn cash back, and we'll automatically match all the cash back you earn at the end of your first year.
No, there's no limit to how much we'll match.
Yes, you can redeem cash back any time after you earn it and still receive the full match amount at the end of your first year.
While cards with no annual fee can lower the cost of using your card, these credit cards will charge interest and could have other types of fees. When you pay your balance on time and in full at each billing statement, you may be able to avoid paying interest on purchases and reduce the cost of using credit.
So while there’s no extra charge each year with a no annual fee credit card, any interest charges on your account are a cost of using credit.
No, there is no annual fee for the Discover it® Card. We think you deserve the rewards of our cash back credit card without worrying about an annual fee setting you back.
No, there is no annual fee with the Discover it® Card.
Yes, eligible customers may qualify for an x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until . Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
How does the Discover it® Cash Back Credit Card stack up against the competition?
Not sure which Discover it® credit card is right for you?
Select a category below to find your match
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Everyday Shopping
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Travelling
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Restaurants & Gas
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Credit Building
Discover it® Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,4 grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate.
Discover it® Miles
Earn unlimited 1.5x Miles for every dollar spent on all purchases – from airfare and hotels to groceries and online shopping.
Discover it® Chrome
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases — automatically.10
Discover it® Secured
You can build a credit history with the three major credit bureaus, all while earning 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases — automatically.10
Learn more about cash back rewards credit cards from Discover
The Discover Cashback Bonus program allows you to earn cashback rewards on every purchase.
Find out which credit cards you may qualify for with our online credit card-pre-approval tool - checking doesn't impact your credit score and can personalize your offer.
With a 99 percent acceptance rate at merchants that accept credit cards, it’s likely that Discover is accepted at your retailer of choice.2
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Cashback Match: Only from Discover, as of April 2023. 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.
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Acceptance: According to the Feb 2023 issue of the Nilson Report.
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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.
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Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
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Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions. All reward redemptions are subject to Discover’s reward program terms.
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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 discover.com/freealerts.
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Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including merchant-indicated recurring bill payment, 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.
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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.
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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 Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. 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 Discover.com/FICO.
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You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.
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PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
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$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
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About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.
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Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.
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Q Program Details: QUARTER DISCLOSURE
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100% U.S.-based customer service:You can reach a live agent anytime by calling 1-800-347-2683. Certain specialized customer service agents may not be available 24/7.
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