Discover it® Cash Back Credit Card

You earn cash back, we match it all your first year

Discover offers this cash rewards credit card and matches all the cash back you’ve earned at the end of your first year.1


No annual fee

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

 

★★★★★
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Discover it® Cash Back Credit Card
★★★★★
★★★★★

x Average of x Reviews17

See how we calculate our ratings

Why Discover it® Cash Back rewards credit card?

Inward Curve
Inward Curve

No annual fee

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.

Discover Credit Card Designs

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

Standout customer service

Discover it® Cash Back Credit Card Reviews

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★★★★★

x Average of x Reviews

See how we calculate our ratings

Your Discover it® cash back rewards never expire

Redeem your cash back when it suits you best, any time for any amount, even $.01.7

 

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.com8 and Paypal9

Discover IT Credit Card

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.

 

†See rates, fees and other info

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

  • Everyday Shopping

  • Travelling

  • Restaurants & Gas

  • Credit Building

Discover it® Cash Back

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,8 grocery stores, restaurants, gas stations and when you pay using PayPal,15 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.14

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.14

Learn more about cash back rewards credit cards from Discover

  1. Cashback Match: Only from Discover, as of May 2022. 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. Q1 Program Details: Activate to earn 5% Cashback Bonus at Grocery Stores (stand-alone) and Fitness Club & Gym Memberships from 1/1/22 (or the date on which you activate 5%, whichever is later) through 3/31/22, on up to $1,500 in purchases. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible. Fitness Club & Gym Memberships include membership fees and purchases at health clubs. Athletic or recreation facilities may be eligible. Virtual and in-person fitness classes may be eligible. Individual merchants and stand-alone stores within fitness clubs, gyms, athletic or recreation facilities may not be eligible in this category. Purchases must be made with merchants in the U.S. To qualify for 5%, 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 5% 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 5% 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.

  3. Q2 Program Details: Activate to earn 5% Cashback Bonus at Gas Stations (stand-alone) and Target from 4/1/22 (or the date on which you activate 5%, whichever is later) through 6/30/22, on up to $1,500 in purchases. 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. Target purchases include those made at Target.com, through the Target app, or in-store at Target. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, 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 5% 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 5% 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.

  4. Q3 Program Details: Activate to earn 5% Cashback Bonus at Restaurants and PayPal from 7/1/22 (or the date on which you activate 5%, whichever is later) through 9/30/22, on up to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. PayPal eligible purchases are made through the PayPal wallet online, money transfers via PayPal using your card, and point-of-sale transactions using PayPal Here. Payments made through Xoom transfer services are not eligible for 5%. Using PayPal on restaurant purchases will only earn a total of 5%. PayPal and the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, 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 5% 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 5% 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.

  5. Q4 Program Details: Activate to earn 5% Cashback Bonus at Amazon.com and Digital Wallets from 10/1/22 (or the date on which you activate 5%, whichever is later) through 12/31/22, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. The Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Digital Wallet purchases include those made online and in-store with your smartphone, tablet, or wearable. Wallets that qualify include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Using digital wallets to make purchases on Amazon.com will only earn a total of 5%. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, 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 5% 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 5% 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.

  6. Acceptance: According to the Feb 2022 issue of the Nilson Report.

  7. Rewards Redemption: Your rewards never expire. We will credit your account or send you a check with your rewards balance if your account is closed or if it has not been used within 18 months.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. 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.

  14. 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/digitalwalletsSee Cashback Bonus Program Terms and Conditions for more information.

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

  16. $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.

  17. 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.

  18. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Approximately every 90 days we will scan for your online personal information at 10 select people search sites and submit opt-out requests on your behalf. Types of personal information found on these sites will vary.

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