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Discover it Cash Back
Discover it Cash Back
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Welcome Offer

First Year Cash Back Match

Discover automatically matches all cash back that you’ve earned at the end of your first year
5%
Cash Back

Earn 5% cash back up to the quarterly maximum at wholesale clubs, gas stations, restaurants and other locations

1%
Cash Back

Earn 1% Cash Back on all other purchases

$0
Annual Fee

No annual fee

$0
Foreign Transaction Fee

No foreign transaction fees when using this card

    Discover basically invented the cash back card when they first launched in 1985.  In the 1980s while almost all other banks were offering cards with $20 annual fees and no benefits, Discover changed the credit card world by offering cash back.  Discover continues to be a leader with cash back cards.

    The Discover it® Cash Back offers outstanding value for a credit card without an annual fee, but you need to know what kind of spending habits fit your lifestyle. If cash-back is all you care about and don’t want anything else complicated in abundance with rewards programs or other bells and whistles attached then this may be the perfect choice!

    Are you looking for funding to launch or start a new business?

    Since 2015, we have funded over $200 Million for businesses across the United States

    Recommended credit score to apply for this card:

    Good (680-719)

    Pros

    • No Annual Fee

    • No Foreign Transaction Fees

    • 0% APR on Balance Transfers and Purchases

    • 5% Cash Back Quarterly on Shopping and Restaurants

    • 1% Cash Back on Everything Else

    Cons

    • No Flexible Rewards

    Annual Fee $0
    Intro Purchase APR 0% Interest for 14 Months
    Intro Balance Transfer APR 0% Interest for 14 Months
    Regular APR 11.99% to 22.99%
    Great for Gas, Grocery , Restaurant
    Regular Purchase APR 11.99% to 22.99%
    Regular Balance Transfer APR 11.99% to 22.99%
    Cash Advance APR 24.99%
    Balance Transfer Fee $3 or 5%
    Cash Advance Fee $10 or 5%
    Foreign Transaction Fee 0%