Discover It Cash Back Card

Discover It Cash Back Card
Learn more
On the card issuer's Secure Website
82 User Score
168 Clicks

Discover It Cash Back Card

Why People Love It
  • No annual fee
  • Generous bonus offer for qualifying cardholders
  • Promotional APR for 14 months
82 User Score
168 Clicks

  • Rotating bonus categories confuse some cardholders
  • Initial credit line might be as low as $500
Details

Application Process: Apply online for a near-instant decision, or call (800) 347-0264. You typically need credit in the good to excellent range to get approved, so take some time to fix your FICO if you aren’t quite there yet.

Fees: Cardholders appreciate that this Discover card has no annual fee and no monthly maintenance fee. Balance transfers carry a 3% fee per transfer, and cash advances cost $10 or 5% of each cash advance amount, whichever is greater.

Discover kindly waives your first late payment fee. After that, expect to shell out $37 for late payments. There’s also a $37 fee for returned payments.

Rewards: Reward amounts vary with this Discover card, but you’ll always earn at least 1% cash back on qualifying purchases. Each quarter, there are rotating categories that reward you with 5% cash back for eligible purchases.

Bonus Offers: If you have multiple credit cards, you may want to focus on this one for your first year. Discover matches all cash-back rewards from your first 12 months as a cardholder.

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Highlights
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate
  • Earn unlimited 1% cash back on all other purchases – automatically
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically
  • Redeem cash back any amount, any time, and rewards never expire
  • Use your rewards at Amazon.com checkout
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up
  • No annual fee
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