OR
https://www.discover.com/credit-cards/?defaultoffer=yes&icmpgn=do-dl-it-card
/ACQ/LP/displaylanding-cashback
Earn rewards on every purchase
Earn 5% Cash Back
On everyday purchases at different places you shop each quarter–like grocery stores, restaurants, gas stations, and more–up to the quarterly maximum when you activate.
Plus, your cash back won’t expire for the life of the account.3
99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.8
Earn rewards on every purchase
Earn 5% Cash Back
On everyday purchases at different places you shop each quarter–like grocery stores, restaurants, gas stations, and more–up to the quarterly maximum when you activate.
Plus, your cash back won’t expire for the life of the account.3
$0 Fraud Liability Guarantee
You're never responsible for unauthorized purchases on your Discover Card.11
2x Intro Offer
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.2
99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.8
You could start
shopping and
earning
rewards
in minutes, if eligible 12
Use your digital card to pay for orders
online
before your physical card arrives.
Explore great credit card benefits
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 ‡ |
Citi Double Cash Card ‡ |
Bank of America Customized Cash Rewards ‡ |
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Rewards |
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All new cardmembers 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 |
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Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
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Redeem your rewards for cash in any amount.3 |
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Your cash back won't expire for the life of your account.3 |
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Use your rewards at Amazon.com checkout 6
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Use your rewards with PayPal at select merchants 14 |
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Security |
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$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card 9 |
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Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases and cash advances.4 |
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We'll monitor your credit report and notify you if anyone pulls your credit, so you can recognize possible fraud if you activate our free service.1
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We'll monitor your credit report and alert you when any credit card, mortgage, car loan or account shows up on your credit report if you activate our free service.1 |
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We'll notify you if your Social Security number is found on the dark web if you activate our free service.1 |
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Free expedited shipping for card replacement to any U.S. street address at your request.7
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Value |
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Paying late won't raise your APR. |
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No late fee on your first late payment. |
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Service |
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Customer service available 24/7 by phone, online, or mobile app.10 |
Ready to apply for the Discover it® Cash credit card?
Join those in the know
“My favorite card!
Great everyday card. Easy to earn rewards and simple redemption. Fantastic customer service.
One of the 28,000 5-star reviews as of 03/2513
Excellent card
The rewards are great, I love being able to shop at my favorite stores and get rewards back.
One of the 28,000+ 5-star reviews as of 11/2413
Very Great features
I'm just thrilled with my card [and] use it all the time for everything.
One of the 28,000+ 5-star reviews as of 11/2413
Security features that matter
A look that's all
yours
Choose from a gallery of colorful card designs when you apply to become a Discover it® cardmember.
Start out right with our low intro APR
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Discover it® Cash Back credit card
Purchase APR: x% intro rate for x months, then x% variable to x% variable. Balance Transfer APR: x% intro rate for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% Intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .
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Discover® Identity Alerts (Alerts) currently provide: (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 the dark web known for revealing personal information and an alert if your Social Security number is found. Alerts are offered by Discover, a division of Capital One, N.A., (Discover) at no cost, are available only online, and do not impact your credit score. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security number, and an email address on file. This benefit may change or end in the future. Discover is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
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Cashback Match: We’ll match all the cash back 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 earn cash back 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; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
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Rewards Redemption: If your account is closed, we will send you a check or credit your account with your rewards balance; we reserve the right to determine the method to disburse your rewards balance. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Rewards redeemed for gift cards require a minimum amount to redeem.
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Freeze your account: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity may continue including merchant initiated or merchant-indicated recurring transactions, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
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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. 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.
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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. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.
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Free Expedited Card Replacement: Expedited shipping is not available to P.O. boxes or addresses outside of the U.S. Carrier expedited shipping limitations apply that may impact the exact delivery date.
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Acceptance: According to the Feb 2025 issue of the Nilson Report.
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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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Real human customer service 24/7: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.
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There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.
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You are not eligible to access your card number or use your card if (1) if you are not approved for a new account; (2) your application requires additional verification; (3) you request a balance transfer with your application; (4) if you are applying for a second Discover credit card or for a Discover it® Secured credit card; (5) you apply during a system maintenance update window; (6) there are any technical difficulties experienced during application processing; or (7) you do not meet our risk eligibility criteria.
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About product reviews: All customer reviews used are authentic. Testimonials may be shortened or edited for clarity. We calculate the average product rating based on ratings that customers submit. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above. 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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Use Rewards with PayPal: Paying with rewards using PayPal is not available at all merchants or for all purchases when checking out online or in app. Paying with rewards using PayPal may not be available when paying with the PayPal wallet or when making recurring payments. Paying with rewards using PayPal is not available in-store. PayPal and merchants determine whether paying with rewards is available to use at merchants, and Discover does not make that determination.
For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards 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. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.
PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.
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