Compare Cashback Credit Cards

See how Discover stands out with this credit card comparison chart—because credit cards that give cash back are not all the same. Compare credit card rewards and other benefits to see if any cash back credit cards can deliver like Discover.

Compare with others

Compare Cash back Credit Cards

Discover it® Cash Back Credit Card

Blue Cash Everyday Card from American Express

Chase Freedom Unlimited

Capital One Quicksilver Cash Rewards Credit Card

Citi Double Cash Card

Bank of America Customized Cash Rewards

Rewards

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically2

 

See issuers' websites for their new cardmember bonuses

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com6, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate.

 

Plus earn 1% cash back on all other purchases.

 

See rewards for compared and similar cards

Redeem your rewards for cash in any amount.

Redeem your rewards for cash at any time.3

Your cash back never expires3

Use your rewards instantly at Amazon.com checkout6

Use your rewards instantly when you pay with PayPal9

Security

Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app.11

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card10

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website4

Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +

Activate free alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report 1 +

Activate free alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.1

Free overnight shipping for card replacement to any U.S. street address at your request 7

Value

Paying late won't raise your APR.

No late fee on your first late payment.

No overlimit fee

No foreign transaction fee.

Service

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5

100% U.S. - based customer service available any time.

Pay your bill up to midnight (ET) the day it's due by phone or online

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Ready to apply for the Discover it® Cash credit card?

  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 December 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.

  3. 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.

  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 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. 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.

  7. 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.

  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.

  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. $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.

  11. 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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