Last Updated: 07/28/2025
SuperMoney User Recommendation Score +82
Strongly recommended44 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 28.24%(Verified 07/25/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 28.24%(Verified 07/25/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 14 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 28.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 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. on eligible fuel 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 you have a fair credit score or better.
Pros & Cons of Discover it Cash Back
| The Good | The Bad |
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Amazon Purchases | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | Up to 5 % cash back for a total of $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
Discover it Cash Back 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Discover it Cash Back has a variable purchase APR that ranges from 18.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 28.24%. It also has a variable cash advance APR of 29.99% .
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 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.24% - 28.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Discover it Cash Back have an intro APR offer on new purchases?
| 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 14 months.
What are the fees for Discover it Cash Back?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Discover it Cash Back 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 to the following credit bureaus:
- 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 build your credit.
Does Discover® Bank perform a hard credit pull?
Yes, Discover it Cash Back performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Discover it Cash Back
- Visit the website of Discover it Cash Back.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
8:30AM - 1:00PM
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Other Credit Cards from Discover® Bank
Purchase APR
12.99% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 21.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
12.99% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 21.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
22.99%
Disclaimer popup with additional information
Balance Transfer APR
22.99%
Disclaimer popup with additional information
Credit Score Range
300 - 700
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 25.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +82, or 4.6 on a 5-point rating scale.
+82
-1000+100
No one recommends
Everyone recommends
Discover it Cash Back Community Reviews
Would you recommend Discover it Cash Back to your friends?
RU
Rabbia U.
Nov 19, 2023
May or may not recommend
Discover it Cash Back Credit Cards are the best. The cash back rewards are so good and applied on my every purchase whether its gas station or grocery store or even on Amazon. There is no foreign transaction fee that is why I use it in my home country. Multiple credit cards is also a benefit for me as I have 2 cards one is for my husband and other ...Show More
JB
Jane B.
Nov 18, 2023
May or may not recommend
Definitely recommend this card. There is no annual rate and the introductory period has great cash back matching. There are also certain months where you earn even more cash back at certain retailers, but the downside is you have to remember to activate the extra cash back. The app is easy to use and I've never had a reason to contact customer service in my years of using this card.
MC
Megan C.
Nov 18, 2023
May or may not recommend
Discover It is my first and only credit card! I applied when I was in college and it was a great way to start building up my credit. I have been able to increase my credit limit twice since I have had it by updating my income information. Cash back on purchases and double cash back after a year.
KD
Kelcie D.
Oct 26, 2023
May or may not recommend
This was my first credit card! I used it to build my credit and it was one of the best decisions I made as a young adult, especially choosing the secured credit card route. It's a great choice for those just starting out with credit cards. The app was also really easy to use, which is a must in today's world. The cash back was also a big plus and ...Show More
KK
Kidus K.
Jul 10, 2023
May or may not recommend
The Discover Cash Back credit card has played a significant role in helping me save a substantial amount of money. Its cashback program is truly exceptional, allowing me to earn a generous percentage of cashback on my purchases. This feature has been a game-changer, as it provides tangible rewards for my everyday spending. Discover's commitment to rewarding their cardholders is evident and greatly appreciated.
One of the standout features that sets ...Show More
Nikita K.
Jun 16, 2023
May or may not recommend
I would highly recommend the Discover Cash Back credit card. It has been a fantastic addition to my financial strategy since I started using it when I began working full-time. The card has allowed me to save a significant amount of money by earning a generous percentage of cashback on my purchases. One of the standout features of the Discover is its quarterly deals, which offer 5% cashback rate on ...Show More
SR
Saila R.
Nov 30, 2022
May or may not recommend
I loved their service and my friend actually suggested me to take this . I have also other 2 credit cards, but among them I liked it most. It has no Foreign transaction fees. And also you can easily pay to Amazon and get some bonus!
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Many people don't like the aspect of the revolving categories because most don't remember to activate it or remember the current category. Personally, I don't have a hard time remembering, so I like that I can get more cash back for that.
AB
Amy B.
Oct 24, 2022
May or may not recommend
Many people don't like the aspect of the revolving categories because most don't remember to activate it or remember the current category. Personally, I don't have a hard time remembering, so I like that I can get more cash back for that.
Michael L.
Oct 15, 2022
May or may not recommend
It is a great credit card is you're just started using credit card. The cash back is really awesome and covers the majority of thing you will use day to day. No annual fee is one of the main reasons I chose this. Customer service is super helpful and never had a long wait like other big banks
AB
Anthonia B.
Oct 13, 2022
May or may not recommend
Never had any problems with them, even when I lost my credit card, it was simple to get a new one. Got a significant amount of cash back on signing up and then all the cash back I got over the months of use and no annual fee. One of my favorites for sure!
EG
Eden G.
Aug 16, 2022
May or may not recommend
The main reason i love Discover credit card is their cash back. You can use them in redeeming gift cards which has a great discount. Like you can redeem a $25 bath and body works gift card for your $20 cashback. Also their customer service via chat on their app response promptly whenever you have issues with your card.
UM
Uena M.
Mar 10, 2022
May or may not recommend
A great credit card. This was the first card I ever applied for. And I was surprised that they approved so easily since I hadn't built a credit score yet.
I've had this card for over 8 years and I like the ease of payment they offer.
Karina V.
Feb 17, 2022
May or may not recommend
Another great credit card, excellent customer service and I love that it has no annual fee. If you pay off your credit cards in full the high interest shouldn't matter to you. It has an overall good cash back promo, the only thing I would point out is that Discover isn't accepted in a lot of marketplaces so just watch out for that.
JG
Jennifer G.
Feb 16, 2022
May or may not recommend
The cashback is great and I love that there is no annual fee. I also love that you can check your credit score for fee. The credit score "card" is a great feature. However, the interest and APR are pretty high. If you carry a high balance, you are pretty much just paying the interest every month.
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
This is a great first credit card. The app is very user friendly and customer service through the messaging service was very helpful in deferring my payments when I was out of word due to COVID. The cash back offers are good, although they usually do not amount to a whole lot. You also have to make sure to log on and activate the offers each month!
Sophia D.
Jan 20, 2022
May or may not recommend
The Discover It Card is one of my favorites because it has the lowest APR and no fees. I never had any issues with the card. It's a pretty straightforward card, the app works perfectly.
SL
Sally L.
Apr 15, 2021
May or may not recommend
I have had a Discover card for 8 years, they always answer the phone if I need help. I have never had to pay for a mistaken charge. The website and app are easy to use and it seems like the cash back adds up quickly. Only downside is you have to 'activate' the 5 percent cashback for certain purchases. If you aren't checking, you miss out.
WG
Wendy G.
Mar 15, 2021
May or may not recommend
Don't have a lot of feed back but I am still new to this card
KW
Kandace W.
Mar 12, 2021
May or may not recommend
This was my 1st company that I got a Credit card with and all the perks for cash back is amazing. There are many things that you can get more cash back on and they are reasonable places you would eat, go and shop at.
Showing 20 of 44 reviews
