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  Discover it Cash Back Card

Discover it Cash Back Card

in Personal Credit Cards from Discover Bank

Claimed

Discover it Cash Back Card

Claimed

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
Balance Transfer APR  (Variable APR) 14.24% - 25.24%
Credit Score Range 680 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.24% - 25.24%
Rewards Rates
  • 5% on Amazon Purchases
  • 1% on Every Purchase
  • 5% on Gas
  • 5% on Groceries
  • Restaurants
Number of Reviews 6

Discover it Cash Back Card Review

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

  • Generous reward rate. You can get a rewards rate of up to 5%.
  • Up to 1% on every day purchases.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 14 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Discover it Cash Back Card has a variable purchase APR of up to 25.24%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards. Earn up to 5% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.
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.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Discover it Cash Back Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Free access to your credit score.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.

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. With Discover it Cash Back Card you receive 5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $50 back in cash.

Discover it Cash Back Card Rewards
Rewards rate (all purchases) 5%
Max rewards rate 5%
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
  • Zero 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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Discover it Cash Back Card has lower than average purchase APRs.

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 on balance transfers??

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

Discover it Cash Back Card Balance Transfers
Description
Balance Transfer APR 14.24% - 25.24%
Introductory Rate 0%
Intro APR period (months) 14

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

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

What are the Discover it Cash Back Card fees?

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 have a 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.

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

How to apply for Discover it Cash Back Card

  • Visit the Discover it Cash Back Card 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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

Every Purchase (Points) Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee $37
Balance Transfer Fee % 3%
Late Fee Amount $37
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network
  • Discover
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
Free FICO Score  
Bonus Rewards We'll match all of the cash back you've earned at the end of your first year, automatically
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates
  • 5% on Amazon Purchases
  • 1% on Every Purchase
  • 5% on Gas
  • 5% on Groceries
  • Restaurants
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 27.24%
Purchase APR (Variable APR) 14.24% - 25.24%
Introductory Rate 0%
Balance Computation daily balance (including new transactions)
Penalty APR 0%
Intro APR period 14
Balance Transfer APR (Variable APR) 14.24% - 25.24%
Introductory Rate 0%
Intro APR period 14

Discover it Cash Back Card Community Reviews

 

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Starting Balance Transfer APR 27.49% Starting Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 26.49%
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Rewards Categories
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Balance Transfer APR 14.24% - 25.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 690 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.24% - 25.24%
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Rewards Categories
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Balance Transfer APR 11.99% - 23.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.99% - 23.99%
(Variable APR)
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Rewards Categories
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Starting Balance Transfer APR 25.24% Starting Variable APR
Credit Score Range 300 - 700     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 25.24% Starting Variable APR
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants