Discover It® Cash Back Credit Card
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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 pay 5% cash back. Rotating categories include grocery stores, gas stations, Target, restaurants, and Amazon. You don’t have to choose one category; you’ll earn 5% cash back in every category listed for that quarter, up to the $1,500 cap. If you forget to enroll entirely, you’ll earn just 1% cash back. It’s pretty hard to forget, though: Discover sends you an email and all you have to do is click “activate.”
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.
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
Welcome Offer
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Free credit score access, 24/7 customer service |
Travel Perks | None |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 17.24% to 28.24% (V) APR |
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.24% to 28.24%(V) APR after that. |
Balance Transfer Intro Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2024 with the 0% intro APR balance transfer offer. After that, 5% of the amount of each transfer. |
Balance Transfer Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2024 with the 0% intro APR balance transfer offer. After that, 5% of the amount of each transfer. |
Purchases | 0% Intro APR for 15 months on purchases, then 17.24% to 28.24% (V) APR after that. |
What Credit Score Is Required to Get the Discover It® Cash Back Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 666
Average Approved Credit Score: 709
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 09/24/2021 | Equifax | ||
Approved | 08/06/2021 | Experian | ||
Approved | 06/21/2022 | Experian | ||
Approved | 06/21/2022 | TransUnion | ||
Approved | 06/21/2022 | Equifax | ||
Approved | 11/24/2021 | Experian | ||
Approved | 05/01/2021 | Experian | ||
Approved | 09/24/2021 | TransUnion | ||
Approved | 09/24/2021 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- High APR
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0