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  Discover it Cash Back

Discover it Cash Back

in Personal Credit Cards from Discover Bank

Claimed

Discover it Cash Back

Claimed

in Personal Credit Cards from Discover Bank

SuperMoney Net Recommendation Score +74

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +74, equating to 4.5 on a 5 point rating scale.

+74

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

22 users recommend
3 users are unsure
2 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 11.99% - 22.99%
Balance Transfer APR  (Variable APR) 11.99% - 22.99%
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 27

Discover it Cash Back Review

This is a cashback credit card issued by Discover Bank. If you're wondering whether Discover it Cash Back is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 14 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 14 months.
  • Competitive APRs. Discover it Cash Back has a variable purchase APR that ranges from 11.99% up to 22.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Discover it Cash Back charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Gas rewards. 1% cashback - 5% cashback on eligible gas purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Discover it Cash Back
The Good The Bad
  • Discover automatically matches all the cash back you've earned at the end of your first year.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 14 months.
  • 0% APR on new purchases during the first 14 months.
  • No annual fee.
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Discover it Cash Back reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
Discover it Cash Back FAQ

Does Discover it Cash Back have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

Discover it Cash Back Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A

Does Discover it Cash Back have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Discover it Cash Back offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Discover it Cash Back benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Price Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Discover it Cash Back?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Discover it Cash Back have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 14 months.

Discover it Cash Back Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 5%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 14 months
Balance Transfer APR 11.99% - 22.99%
Balance Transfer Fee % 3%

Does Discover it Cash Back have an intro APR offer on new purchases?

Discover it Cash Back Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 14 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 14 months.

What are the fees for Discover it Cash Back?

The following fees apply:

Discover it Cash Back Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Discover it Cash Back have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Discover it Cash Back?

The Discover it Cash Back customer service number is (800) 347-2683.

What is the support contact email for Discover it Cash Back?

The support contact email for Discover it Cash Back is service@email.discover.com.

How do people rate the customer service and user experience of Discover it Cash Back?

Overall, Discover it Cash Back is strongly recommended based on community reviews that rate customer service and user experience.

Does Discover it Cash Back report your account activity to credit bureaus?

Yes, Discover it Cash Back reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Discover it Cash Back

  • Visit the Discover it Cash Back website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 14 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 1% - 5% Cash Back on Amazon Purchases up to $1500 quarterly
  • 1% - 5% Cash Back on Gas up to $1500 quarterly
  • 1% - 5% Cash Back on Groceries up to $1500 quarterly
  • 1% - 5% Cash Back on Restaurants up to $1500 quarterly
  • 1% Cash Back on Every Purchase
  • 1% - 5% Cash Back on PayPal Purchases up to $1500 quarterly
  • 1% - 5% Cash Back on Target Purchases up to $1500 quarterly
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance (including new transactions)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % After Intro Period Starting at 5%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 14 months
Balance Transfer APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Gas
  • Low Interest
  • Rewards
  • Zero Percent
Card Network Discover

Discover it Cash Back Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +74, equating to 4.5 on a 5 point rating scale.

+74

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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