Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.

It provides 5% cash back in categories that rotate every three months, up to $1,500 in spending per quarter, and then 1% back. New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.

The 5% cash back calendar for 2019 is:

Quarter 5% Cash Back Category
January – March Grocery Stores
April – June Gas Stations, Uber, Lyft
July – September Restaurants
October – December

The Discover it has an introductory 0% APR for 14 months for purchases and balance transfers, quite a long period for paying off expenses at no interest, followed by a regular rate of 13.99%–24.99% Variable.

Discover now offers a free FICO score credit monitoring service to anyone, even if you’re not a cardholder.
Card Quick Facts

Card Quick Facts

  • Double all the cash back you’ve earned at the end of your first year automatically
  • 5% cash back in categories that change each quarter like gas, restaurants, and more – up to $1,500 in spending per quarter, then 1%.
  • 0% intro APR on purchases & balance transfers for 14 months — then a variable purchase APR applies, currently 13.99%–24.99%.
  • Free FICO® Credit Score on statements, online and by mobile app.
  • 100% U.S.-based service.
  • No annual fee. No over limit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.
  • Each Discover purchase is monitored for fraudulent activity, and you’re never responsible for unauthorized purchases on your Discover card.

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% cash back in rotating categories, up to $1,500 in spending per quarter (then 1%):
    • Categories: January through March is Grocery Stores; April through June is Gas Stations, Uber, and Lyft; July through September is Restaurants; October through December is
  • 1% cash back on all other purchases
How to Redeem

Introductory Bonus

  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.99%–24.99% Variable
Intro Purchase APR 0% for 14 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 14 months
Regular Balance Transfer APR 13.99%–24.99% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 26.99% 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 8 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.

  • Refer a Friend for Cash Back

    Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.

  • Financial Hardship

    Contact Discover’s customer support if you find yourself in a difficult financial situation.

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

  • $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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 6 reviews
by Trevor

Discover was great when I originally received the card, unfortunately they've slowly but surely become worse. My biggest complaint is Discover has eliminated the vast majority of benefits that made this card appealing. I signed up for the card in December 2017 and in February of 2018 they eliminated extended warranties, rental car insurance, flight insurance and return protection. In October 2018 they eliminated price protection and the extensive list of retail affiliates that offered various discounts for using your card. I feel like I was scammed into getting this card, I signed up with the promise of multiple useful benefits only to have all but one taken away from me in the first year. THATS AN ASTOUNDING 86% OF THE BENEFITS ELIMINATED IN THE SAME YEAR!! They still offer the 5% Cashback Bonus on rotating categories but to be honest the categories are nothing special and come with hidden restrictions. The only benefit to this card now is the introductory 0% APR (if you're irresponsible and carry a large balance every month) and Dollar for Dollar Cashback match. After the introductory promotions are over the card has little to offer.On a side note the author of this article should also penalize Discover for eliminating 86% of their benefits in the same year. How about helping the consumer out by giving Discover a lower rating so they reconsider eliminating the benefits?

by Leeb
Excellent card

One of the best credit card ever. Discover it has great benefits and excellent customer service.

by Shawn
Not the best

I used to love Discover. Every time I have a question, their staff is knowledgeable and able to get me whatever I need. But when it comes to actually being there for the customer, they are not good at all. I have auto-pay set up. I decided to instead of paying whatever was due for that statement to pay in full. Set up the payment and on the same day, they took the auto pay amount out and shortly after they pulled out the FULL amount which included the auto pay amount and some additional that was not within that month's statement. I was later charged $27 by Discover (my first fee since 2012 by the way).I called to talk about it and they said it's human error. The problem I have is if I put in a request to pay the balance in full, howcome it can't subtract what is due? Howcome it doesn't run the higher payment and see if anything else is due to charge me the second time?? There are 101 ways around this nonsense. I guess Discover lets you overpay so they can bank on the extra amount you put in until your smart enough to realize you overpaid. First fee in 6 years, never once have I not paid the total due me.The customer service rep said it was my problem and they charge me because my bank charged them.Now do I think I'm being a little emotional about this? I am. It's not the $27 that irritates me. It's that 1. They don't have proper logic built into their apps and services to determine that is going to happen and warn the user and 2. They weren't willing to reduce the charge or make any effort to hang on to a customer that's been using them for years. That is true through use of the words "it's a user error" on the phone and through their lack of action.Let's say the fee to them was $20 from my bank and they charged an additional $7 to me as an inconvenience. Even if they had made a small adjustment like that, I could somewhat understand. But back to the lack of built in logic in the service. Totally irritates me.

by Sudharsan
Great credit card for first time!

I applied for this card to earn a sign-up bonus and extend my credit card range. My sign-up bonus was $50 after spending my first purchase as soon as I got one. I was able to meet the bonus requirements easily and enjoy having the bonus deposited in my cash back and then transferred to my checking account. I love that this card makes cash back so easy. I can spend the cash back on Amazon if I like or redeem it as checks or gift cards. It also makes it easy to earn cash back with set percentages and special 5% back categories every quarter. Another great perk is the FICO score every month which makes it easy to monitor my credit health. The points system is great because you don't have to activate anything or take any action - you just start racking up points as you spend. I put almost all my expenses on this card and pay it off each month in full, so I end up with lots of points! I would greatly recommend this card to everyone I know.

by Brian
Great card for starters

This is definitely a great card to start with, as they do seem to be fairly generous in approving those who are new to credit cards. The rewards are great, and occasionally they do throw in a few extra ways to earn a little bonus cash back aside from the quarterly 5% categories. They also forgive you for the first time you make a late payment, so this gives you a chance to learn how to use a credit card responsibly without being penalized for the first time you slip up.

If you later want to request a credit limit increase, you can easily do so online, and it might only require a soft pull. If they do require a hard pull, they will at least tell you and give you a chance to back out if you don't wish to proceed in that case.

One down side is definitely the acceptance rate. Discover is rarely accepted internationally, despite Discover boasting no foreign transaction fees.

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