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  Discover it Cash Back Card

Discover it Cash Back Card

in Personal Credit Cards from Discover Bank

Unaffiliated

Discover it Cash Back Card

Unaffiliated

in Personal Credit Cards from Discover Bank

SuperMoney Net Recommendation Score +17% 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.

Mostly recommended

2 users recommend
3 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $0
Purchase APR (Variable APR) 14.24% - 25.24%
Balance Transfer APR (Variable APR) 14.24% - 25.24%
Credit Score Range 680 - 850
Number of Reviews 6

Discover it Cash Back Card Review

Discover it Cash Back Card is a cashback credit card issued by Discover Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 680.

If you're wondering whether Discover it Cash Back Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Discover it Cash Back Card cash back or rewards program?

Discover it Cash Back Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Discover it Cash Back Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Discover it Cash Back Card have a signup bonus?

Discover it Cash Back Card doesn't offer a cash signup bonus.

Does Discover it Cash Back Card offer an annual loyalty bonus?

Discover it Cash Back Card doesn't offer a cash loyalty bonus.

What are the Discover it Cash Back Card benefits?

Discover it Cash Back Card provides the following benefits:

  • Free Credit Score
  • Fraud Liability
  • Price Protection
  • No blackout dates when redeeming miles
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Discover it Cash Back Card?

Discover it Cash Back Card has a variable purchase APR that ranges from 14.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 25.24%.

It also has a variable cash advance APR starting at 27.24% .

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

Does Discover it Cash Back Card have an introductory APR offer?

Yes, Discover it Cash Back Card offers an introductory APR rate on balance transfers of 0% for a period of 14 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 14 months.

Discover it Cash Back Card Rates & Terms
Purchase APR 14.24% - 25.24%
Balance Transfer APR 14.24% - 25.24%
Cash Advance APR Starting at 27.24%
Penalty APR 0%

What are the Discover it Cash Back Card fees?

No Annual Fee. Discover it Cash Back Card does not charge an annual fee. No foreign transaction fee. Discover it Cash Back Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

The following fees apply to Discover it Cash Back Card:

Discover it Cash Back Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Returned Payment Fee $37
Late Payment Fee $37

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

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

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Discover it Cash Back Card

  • Visit the Discover Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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...

Availability

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

Grace Period for Late Payment (Days) 25
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Returned Payment Fee $37
Minimum Interest Charge $0.50
Late Fee Amount $37
Balance Transfer Fee % 3%
Cash Advance Fee ($) Starting at $10
Cash Advance Fee (%) Starting at 5%
Cash Advance Fee Minimum $10
Minimum Age 18
Credit Score Range 680 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Fraud Liability  
Free FICO Score  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
Bonus Rewards We'll match all of the cash back you've earned at the end of your first year, automatically
All Other Purchases Earn unlimited 1% cash back on all other purchases
No Blackout Dates  
Every Purchase Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more
No Reward Expiration Period  
Rewards Categories
  • Amazon.com
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
Purchase APR (Variable APR) 14.24% - 25.24%
Cash Advance APR (Variable APR) Starting at 27.24%
Balance Computation daily balance (including new transactions)
Penalty APR 0%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 14.24% - 25.24%
Introductory Rate 0%
Intro APR period (months) 14

Discover it Cash Back Card Community Reviews

 
 

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