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Discover it® Cash Back Credit Card
Get the card that
does more for you
What has your card done for you lately? Get generous cash back rewards, industry-leading security features, and celebrated customer service - all with no annual fee.
Earn rewards on every purchase
Earn 5% Cash Back
On everyday purchases at different places you shop each quarter–like grocery stores, restaurants, gas stations, and more–up to the quarterly maximum when you activate.
Plus, your cash back will never expire3
Join those in the know
“Great cash back rewards, excellent customer service
This card is by far one of my favorite credit cards. The cash back rewards is amazing…The customer service has been above par and outstanding.
One of 28,000+ 5-star reviews as of 09/23
Love getting rewarded.
Love getting rewarded for spending money! Also like the different percentages given back at popular stores
One of 28,000+ 5-star reviews as of 10/23
My most used card
I've had this card for almost a year now and highly recommend it. Generous cash back and intuitive mobile app make this my preferred card.
One of 28,000+ 5-star reviews as of 09/23
Security features that matter
Online Privacy Protection
We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app.8
Turn your account on/off with Freeze it®
If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it® on/off switch on our mobile app and website.5
Free Social Security Number Alerts
Get an alert if we find your Social Security Number on any of thousands of Dark Web sites.4 Activate for free.
A look that's all
yours
Choose from 25 colorful designs when you
apply to become a Discover it® card member.
Start out right with our low intro APR
x% Intro APR† for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
Cash back credit card FAQs
Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it® cash back card.1 So if you earn $50 cash back, we'll give you another $50.
No, there's no limit to how much we'll match.
Yes, you can redeem cash back any time after you earn it and still receive the full match amount at the end of your first year.
You don’t have to sign up, just use your Discover card for purchases to earn cash back. We'll automatically match all the cash back you earn at the end of your first year.1
No, there is no annual fee for the Discover it® Card. We think you deserve the rewards of our cash back credit card without an annual fee setting you back.
Yes, eligible customers may qualify for an x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until x. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.
†See rates, fees and other info
†See rates, fees and other info
While cards with no annual fee can lower the cost of using your card, these credit cards will charge interest and could have other types of fees. When you pay your balance on time and in full at each billing statement, you may be able to avoid paying interest on purchases and reduce the cost of using credit.
So while there’s no extra charge each year with a no annual fee credit card, any interest charges on your account are a cost of using credit.
Learn more about cash back rewards credit cards from Discover
The Discover Cashback Bonus program allows you to earn cashback rewards on every purchase.
Find out which credit cards you may qualify for with our online credit card-pre-approval tool - checking doesn't impact your credit score and can personalize your offer.
With a 99 percent acceptance rate at merchants that accept credit cards, it’s likely that Discover is accepted at your retailer of choice.2
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Cash Back Credit Cards
Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by x then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by x and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
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Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
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Acceptance: According to the Feb 2024 issue of the Nilson Report.
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Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.
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Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
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Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
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$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.
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About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.
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Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.
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100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.
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There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.
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You earn rewards, called Cashback Bonus®, which is stored in your rewards balance and must be redeemed in order to spend. Cashback Bonus can be redeemed via statement credit, electronic deposit to a linked account, paying at select merchants, purchasing gift cards, or donating to charity.