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Home > All Credit Cards > Cash Back > Discover it® Cash Back

Discover it® Cash Back

Issued by Discover Bank

Annual Fee $0
Regular APR $0
Open-loop card or Close-loop card 17.24% - 28.24% Variable

Additional Information

Balance Transfer Fee N/A
Purchase Intro APR 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months
Transfer Intro APR 0% for 15 months
Late Payment Fee 0% for 15 months
Returned Payment Fee 37
Cash Advance Rate Up to $37
Cash Advance Fee 26.99% (Variable)
Foreign Transaction Fee No Foreign Transaction Fees
Smart Chip Yes, chip-and-signature

Sign-up Bonus

None

Rewards

  • Rewards Rate: 1 - 5% Cash Back
  • Rewards Detail: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. 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—automatically.Redeem your rewards for cash at any time.

    • Application Requirements

    Minimum Credit Score Excellent, Good
    Minimum Age 18 years old

    Credit Score

    Excellent Credit 18 years old
    Good Credit 700 — 749
    Fair Credit 640 — 699
    Bad Credit 300 — 639
    Limited Credit Less than 3 years of credit history

    How To Apply for Target Discover it® Cash Back

    1. Click the "Apply" button below!
    2. Fill out the application with your personal and financial information.
    3. Verify and submit your application.

    Apply Now

    Who Should Apply for Discover it® Cash Back

    Individuals who want to earn cash back on their everyday purchases

    Those who are looking for a credit card with no annual fee

    People who want a card with a generous introductory cash back offer

    Consumers who are interested in a card that offers rotating bonus categories for cash back

    Individuals who want access to a free FICO credit score on their monthly statement

    Where Can You Use for Discover it® Cash Back

    You can use the Discover it® Cash Back Credit Card at any merchant that accepts Discover cards, which includes millions of retailers and online stores worldwide.

    The card offers 5% cash back on rotating categories each quarter, such as grocery stores, restaurants, and gas stations, making it a great option for everyday purchases.

    Additionally, the card offers 1% cash back on all other purchases, providing a valuable rewards program for all spending.

    The card also has no annual fee and offers a 0% introductory APR on purchases and balance transfers for the first 14 months, making it a versatile option for both everyday spending and balance transfers.

    The Discover it® Cash Back Credit Card also offers additional benefits such as fraud protection, free FICO® credit score monitoring, and no foreign transaction fees, making it a convenient and secure choice for both domestic and international use.

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