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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Our Review
Maximize Every Purchase with the Discover it® Cash Back Credit Card
- 5% cash back in rotating categories each quarter (up to $1,500 in combined purchases; activation required)
- 1% unlimited cash back on all other purchases
- Cashback Match™—Discover automatically doubles all the cash back you’ve earned at the end of your first year
- 0% intro APR for 15 months on purchases and balance transfers
- No annual fee and no foreign transaction fees
- Free FICO® Score and flexible redemption options
This card rewards savvy spenders who leverage rotating categories—from grocery stores and restaurants to gas stations and streaming services—while offering simple 1% back everywhere else. Activate each quarter to earn top-tier rates, then watch your rewards double at year’s end with the unmatched Cashback Match™. Plus, enjoy an extended 0% APR period to carry a balance interest-free and redeem your cash back as statement credits, direct deposits, or gift cards with no minimums.
Terms apply. Rotating category caps, balance transfer fees, and standard APRs apply. See full terms for details.
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
30,000
Cash Back/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Breakdown
Terms & Conditions
Card Features
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers-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. You could turn $150 cash back into $300.
- 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 unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Discover. All trademarks are property of their respective owners.