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Discover it® Cash Back
Spenders willing to track rotating categories who want an unmatched first-year rewards match.
Official Financial Terms & Fees
| Annual Fee | $0 |
| Base Earning Rate | 1% cash back on all standard purchases |
| Welcome Bonus Offer | Discover will automatically match all the cash back you've earned at the end of your first year. |
| Regular APR | 17.74% - 27.74% Variable APR |
| 0% Intro APR Window | Purchases: 0% intro APR for 15 months Balance Transfers: 0% intro APR for 15 months |
| Foreign Transaction Fee | None (0%) |
| Recommended Credit Score | Good to Excellent (670-850) |
| Official Bank Disclosure | Official Discover Website ↗ |
✓ Reasons to Choose Discover it® Cash Back
- ✓ 5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation)
- ✓ Unlimited Cashback Match at the end of your first year — turns 5% into 10% and 1% into 2%
- ✓ No annual fee and zero foreign transaction fees
- ✓ No penalty APR and your first late payment fee is automatically waived
✕ Drawbacks to Keep in Mind
- ✕ Requires manual activation of 5% categories every calendar quarter
- ✕ Discover acceptance is lower internationally than Visa and Mastercard