Discover it® Cash Back Credit Card: Flexible Rewards with No Annual Fee

The Discover it® Cash Back Credit Card is a powerful tool for earning rewards while enjoying security features, no annual fee, and a low introductory APR. Whether you’re shopping for groceries, dining out, or filling up your gas tank, this card maximizes your cash back potential with rotating categories and unmatched features.

Top Features

Generous Cash Back Rewards

• 5% Cash Back: Earn 5% cash back on everyday purchases at rotating categories such as:
  • Grocery stores
  • Restaurants
  • Gas stations
  • Streaming services
  • And more, up to the quarterly maximum when activated.
• 1% Unlimited Cash Back: On all other purchases.

Cashback Match™

• At the end of your first year, Discover will match all the cash back you’ve earned. For example, if you earn $200, you’ll get an additional $200 as a bonus — automatically!

Introductory APR

• 0% Intro APR: For 15 months on purchases and balance transfers.
• Post-introductory variable APR: 18.49% – 27.49% based on creditworthiness.
• Balance transfer fee: 3% intro fee, then up to 5% on future transfers.

$0 Annual Fee

• Get all the card’s features without paying an annual fee.

Additional Perks

No Expiration on Rewards

• Cash back rewards never expire, and there’s no minimum to redeem.

Broad Merchant Acceptance

• Discover is accepted by 99% of merchants across the U.S. that accept credit cards.²

Security Features

• $0 Fraud Liability Guarantee: You’re never responsible for unauthorized charges.⁶
• Freeze it®: Instantly lock your account if you misplace your card to block new purchases, balance transfers, or cash advances.
• Free Social Security Number Alerts: Be alerted if your Social Security number appears on the Dark Web.⁴

Online Privacy Protection

• Discover helps remove your personal information from select people-search websites at no cost.⁸

Redeeming Cash Back

• Redeem your Cashback Bonus® as:
  • Statement credit
  • Direct deposit
  • Gift cards
  • Amazon purchases through “Shop with Points”
  • Charitable donations

Every $1 in Cashback Bonus equals $1 in redemption value.

Flexible and Unique Rewards

Quarterly Rotating Categories

Each quarter, you can activate new categories to earn 5% cash back. Examples include:

• Groceries, Restaurants, and Gas Stations in Q1.
• Streaming services, Amazon.com, and more in Q2.

Bonus Categories and Transparency

Discover sends reminders to activate your bonus categories, ensuring you never miss out on extra cash back.

Exclusive Cardholder Benefits

Customizable Designs

Choose from over 25 card designs to reflect your style.

Enhanced Customer Service

• 100% U.S.-based customer service available 24/7.
• Highly rated customer satisfaction.

Digital and Mobile Features

• Use Discover’s mobile app to freeze your card, track spending, and monitor credit health.
• Add your card to digital wallets for faster, secure payments.

Why Choose the Discover it® Cash Back Card?

Pros

• Unlimited first-year Cashback Match.
• Rotating 5% cash back categories for everyday spending.
• No annual fee.
• Strong security features like Freeze it® and Dark Web monitoring.
• Intuitive mobile app and robust customer support.

Cons

• Requires activation of 5% categories each quarter.
• Quarterly spending cap of $1,500 in bonus categories.

How It Stacks Up Against Competitors

Final Verdict

The Discover it® Cash Back Credit Card stands out for its lucrative rewards, first-year Cashback Match, and no annual fee. It’s ideal for savvy spenders who can maximize the 5% rotating categories. With robust security features, excellent customer service, and flexible redemption options, this card is a perfect choice for those who want value and simplicity in a rewards card.

Apply today and start earning cash back on every purchase!