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Discover it® Cash Back Review

Last Updated on May 15, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

True to its name, the Discover it® Cash Back card offers a unique cash back program that sets it apart from other credit cards. With unmatched flexibility and a $0 annual fee, it's designed to make every purchase feel a little more rewarding.

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Discover it Cash Back card art Rates & Fees

Discover it® Cash Back

4.5 BCC Score
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on Discover's secure site

Welcome Offer
Discover will match all the cash back you’ve earned at the end of your first year
Rewards Rate
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, earn unlimited 1% cash back on all other purchases.
Intro APR
0% Intro APR for 15 months, then 17.49% - 26.49% Variable APR
Annual Fee
$0
Credit Score Needed
Good, Excellent
Card Brand
Discover
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • 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, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount. No annual fee.
  • Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.

Review additional details for Discover it Cash Back

More Info

Pros

  • One of the most rewarding Cash Back programs available
  • 0% Intro APR for 15 months on purchases and balance transfers, 17.49% - 26.49% Variable APR after that
  • No annual fee, no foreign transaction fees, and award-winning customer service

Cons

  • There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • A quarterly cap on the 5% cash back applies

OUR EXPERT REVIEW

Why We Like It

The Discover it® Cash Back credit card is a unique card that comes with a popular rewards program. Cardholders can 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, earn unlimited 1% cash back on all other purchases.

Discover seeks to take the hassle out of credit card rewards by letting you redeem cash back for any amount, any time. In fact, you can even shop with your rewards by using them at Amazon.com checkout. Your rewards never expire, and you'll never pay an annual fee for carrying this card.

One of the things that makes this card stand out is the unique cash back intro offer: Discover will match all the cash back you’ve earned at the end of your first year. There's no signing up. And no limit to how much is matched. This clever rewards structure can be especially beneficial for consumers who don't want to have to spend a hefty amount on their card during the first 3 months in order to receive a bonus offer. And on the flip side, the fact that there's no limit to the amount of the Cash Back Match means that this card can be extremely rewarding if you're a big spender.

Pros & Cons

Pros

  • One of the most rewarding Cash Back programs available
  • 0% Intro APR for 15 months on purchases and balance transfers, 17.49% - 26.49% Variable APR after that
  • No annual fee, no foreign transaction fees, and award-winning customer service

Cons

  • There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • A quarterly cap on the 5% cash back applies

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