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https://www.discover.com/credit-cards/?defaultoffer=yes&icmpgn=do-ps-it-card
Discover it® Cash Back
It's easy to apply
Apply in minutes with our easy application process.
See if You're Pre-Approved
With no harm to your credit to check
Explore great credit card benefits
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‡ |
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Rewards |
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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 |
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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.
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Redeem your rewards for cash in any amount. |
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Redeem your rewards for cash at any time.3 |
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Your cash back never expires3 |
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Use your rewards instantly at Amazon.com checkout6 |
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Use your rewards instantly when you pay with PayPal10 |
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Security |
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Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app.13 |
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$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card12 |
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Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website4 |
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Activate free alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.1 |
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Free overnight 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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No overlimit fee |
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No foreign transaction fee. |
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Service |
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100% U.S. - based customer service available any time. |
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Pay your bill up to midnight (ET) the day it's due by phone or online |
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Show all features and compare |
Apply In Minutes
See if you're pre-approved - with no harm to your credit to check
It's fast and easy. There is no impact on your credit to view offers.
Benefits that don't just talk the talk
Online Privacy Protection.
We’ll help regularly remove your personal info from ten popular people-search websites that could sell your data. Activate for free with the Discover app.13
Free Social Security number alerts.
Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. 1 Activate for free.
FICO® Credit Score for free
Easily view your FICO® Credit Score on monthly statements, mobile and online for free.5
100% U.S.-based customer service
You can talk to a real person from our customer service team any time. Plus get powerful, fast mobile and online service.
Accepted where you love to shop nationwide.
Discover is accepted nationwide by 99% of the places that take credit cards.9
Tap to pay.
It's fast and easy to pay with your contactless Discover Card at millions of places.
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 it® Cash Back credit card
Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x 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: x% variable to x% variable, based on your creditworthiness. Cash APR: x% 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 x% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% 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.
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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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Cashback Match: Only from Discover, as of November 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.
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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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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.
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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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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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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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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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Acceptance: According to the Feb 2022 issue of the Nilson Report.
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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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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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$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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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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