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Discover it® Business Card

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The Discover it Business Card is a simple cash back card for small business owners, offering a flat rate of 1.5% cash back for every purchase you make.

New cardholders will get double the cash back in their first year thanks to Discover’s Cashback Match. That means you’ll effectively be earning 3% cash back for every purchase in that first year. The extra cash back will be awarded after the end of your first year with the card.

Transactions can be downloaded to Quicken, Quickbooks, or Excel for easy expense tracking, and to simplify the process of separating business from personal expenses.

Purchases are covered by Price Protection, which will refund the difference in price if you find an eligible item being sold for less than what you paid. But this perk is being discontinued on 10/31/18.

The Discover it Business Card has no annual fee, and no foreign transaction fees. There is no penalty APR if you pay late.

Card Quick Facts

1.5% cash back for every purchase, with no limit
Cashback Match: Double all the cash back earned in your first year (awarded after your first year)
12-month 0% intro APR for purchases
Track business expenses by downloading into Quicken, Quickbooks, and Excel
Free Social Security number and account alerts
No penalty APR
No foreign transaction fees
No annual fee

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REVIEWS

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Card Details

Rewards

1.5% cash back for every purchase

Introductory Bonus

Cashback Match: Get double the cash back in your first year (awarded after your first year)

Card Stats

Annual Fee $0

Additional Cards Annual Fee -

Regular Purchase APR 14.74%–22.74% Variable

Intro Purchase APR 0% for 12 months

Foreign Transaction Fee None

Chip Technology Chip-and-Signature

Minimum Credit Limit $500

Maximum Credit Limit -

Free Credit Score Yes

Penalty APR -

Late Fee Up to $37

Returned Payment Fee Up to $37

Balance Transfers

Intro Balance Transfer APR -

Regular Balance Transfer APR 14.74%–22.74% Variable

Balance Transfer Fee 5%

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

How balance transfers work

Cash Advances

Cash Advance APR 26.74% Variable

Cash Advance Fee 5%, $10 minimum

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

How cash advances work

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Read about this specific card’s benefits

Learn about credit card benefits

Perks

Free FICO® Credit Score

View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.
Cash At Checkout

When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.
Free Employee Cards

Get employee card versions at no cost, earn rewards on their purchases, and track expenses.
Expense Tracking

Download transactions into Quicken, Quickbooks, or Excel.

Security

$0 Fraud Liability Guarantee

Cardholders are not held responsible for unauthorized purchases on this card.
Fraud Protection

Your card account will be monitored 24/7 for suspicious activity.
Free Social Security Number Alerts

Get alerts if your SSN is found on any thousands of risky websites.

Shopping

Price Protection

If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.