Discover It® Cash Back Credit Card

The Discover It® Cash Back Credit Card is a cash back credit card designed for people who don’t mind a little bit of effort to earn 5% cash back. Discover has a number of categories each quarter that you can choose from. Rotating categories include grocery stores, gas stations, Target, restaurants, and Amazon. The 5% rewards are capped at $1,500 per quarter. What you’ll do is choose from what’s offered, activate your category and then enjoy 5% cash back. You do need to remember to choose a category and activate it every quarter. If you forget, you’ll earn just 1% cash back.

This card also offers a 0% introductory APR rate on purchases and balance transfers for the first 15 months months. We dive into the details and your approval odds in this Discover It review.

Discover It Cash Back

Our Rating

4.4/5.0

Welcome Offer

Unlimited Cashback Match the first year

Annual Fee

$0

0% on Purchases

15 months

Reward Rate

1% – 5%

0% on Balance Transfers

15 months

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksNone

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases - automatically.
5% cash back
Rotating Categories
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 5% cash back on up to $1,500 in purchases when you activate.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR17.24% to 28.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 17.24% to 28.24%(V) APR after that.
Balance Transfer FeeIntro fee of 3% of the amount of each transfer for transfers that post to your account by December 10, 2023 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Purchases0% Intro APR for 15 months on purchases, then 17.24% to 28.24% (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • No welcome bonus
  • Requires good credit

What Are the Best Alternatives?

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

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