Cashback
Discover it Cash Back
by Discover
Discover it Cash Back is a cashback card from Discover with no annual fee, cashback match - all cash back earned in first year is doubled, and fair to good credit.
Annual FeeNone
Reward Rate5.0%
Base Rewards1.0%
Signup BonusCashback Match - all cash back earned in first year is doubled
Credit Score670-850
Foreign Transaction FeeNone
Regular APR17.49% - 26.49%
Card NetworkDiscover
Rates & Fees
Intro Purchase APR0% for 15 mo
Intro Balance Transfer APR0% for 15 mo
Balance Transfer Fee0.03%
Cash Advance APR29.99%
Cash Advance Fee$0.05
Penalty APR29.99%
Late Payment Fee$40
Overview
Discover it Cash Back is a cashback card from Discover with no annual fee, cashback match - all cash back earned in first year is doubled, and fair to good credit.
Why we like it
Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Rewards and Bonus
Earn elevated rewards with 5% on Dining (up to $1500/quarter) (rotating quarterly), 5% on Gas (up to $1500/quarter) (rotating quarterly) and 5% on Groceries (up to $1500/quarter) (rotating quarterly), plus 1% on other purchases.
- 5.0% on dining up to 1500
- 5.0% on gas up to 1500
- 5.0% on groceries up to 1500
Welcome offer
Cashback Match - all cash back earned in first year is doubled
Who Is This Card For?
People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
Qualification snapshot
Recommended credit: Fair to good credit. Published score range: 670-850.
Pros and Tradeoffs
Pros
- Cashback Match - all cash back earned in first year is doubled
- No annual fee to offset rewards
- Earns 5% on Dining
- Earns 5% on Gas
Tradeoffs
- Base rewards on non-bonus spending are relatively modest