Discover it® Business Card


For People with
Good Credit

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.

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

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, followed by a regular rate of 14.74%–22.74% Variable
  • 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

For People with
Good Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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

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 None
Late Fee None the first time; Up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 14.74%–22.74% Variable
Balance Transfer Fee 5%
Cash Advances

Cash Advances

Cash Advance APR 26.74% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

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

  • 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.

  • $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.

  • Freeze It

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

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