Discover it® Cash Back

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Enjoy 5% Cash Back

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.2

Redeem with Ease

Your cash back never expires. Redeem your rewards in any amount, at any time.3

Free Social Security number alerts
We'll monitor thousands of Dark Web sites when you sign up.1 Learn More about alerts.

Phone alert Phone alert

Compare Cash Back Credit Cards

Table to compare Discover it® Cash Back Credit Card with other cash back cards
Discover it cash back credit card
Discover it® Cash Back Credit Card
Discover it® Cash Back Credit Card 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

REWARDS

Discover it<sup>®</sup> Cash Back Credit Card
Blue Cash Everyday Card from American Express
Chase Freedom Unlimited
Capital One Quicksilver Cash Rewards
Citi Double Cash Card
Bank Americard Cash Rewards

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2

See issuers' websites for their new cardmember bonuses.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate.

Plus earn 1% cash back on all other purchases.

See rewards for compared and similar cards

See For Yourself

‡ Cash back rewards – Citi Double Cash Card: 1% on purchases; 1% as you pay. Capital One Quicksilver: 1.5% on all purchases. Chase Freedom Unlimited: Earn 3% cash back on all purchases in your first year up to $20,000 spent, after that earn 1.5% cash back on all purchases. Bank Americard Cash Rewards: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. American Express Blue Cash Everyday Card: 3% at supermarkets up to a yearly max; 2% at gas stations & select department stores; 1% on other purchases. Cash back rewards for similar cards of compared issuers: Chase Freedom: 5% in rotating categories each quarter, up to a quarterly maximum each time you activate; 1% on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in May 2020.

Discover it® card benefits

Freeze it® on/off switch for your account.

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.4

FICO® Credit Score for free.

Easily view your FICO® Credit Score on monthly statements, mobile and online for free.5 

Learn More

Looking out for you.

We monitor every purchase, everyday for suspicious activity. And you're never responsible for unauthorized purchases on your Discover card.

100% U.S.-based customer service.

Here to help whenever you call, not sell you other products. Plus get powerful, fast mobile and online service.

Tap to pay.

It’s fast and easy to pay with your contactless Discover Card at millions of places.

The Discover it® credit card has no annual fee

  • 0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until .

  • Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

Frequently Asked Questions

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.2 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.

Cash Back Details

 

Discover it® Cash Back credit card

Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% 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% Intro fee on balances transferred by  and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . 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.

  1. 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.

  2. Cashback Match: Only from Discover, as of May 2020. 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.

  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, delayed authorizations (such as some transit purchases), 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, 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 the 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.

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

  7. 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/

  8. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.