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Discover it with Cashback Match

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Discover it with Cashback Match

in Personal Credit Cards

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Overview

Who Is Discover it with Cashback Match Designed For?

Discover it with Cashback Match is a personal credit card designed for individuals with good or excellent credit who are looking for a generous introductory rate on purchases and balance transfers in addition to higher cashback rewards on specialized categories. The credit card offers bonus rewards each quarter on purchases from rotating categories such as gas stations, Amazon.com and restaurants. Plus, cardholders get a cashback match for those rotating categories equaling the rewards earned during their first year of having the card. Hence, if you are interested in those kinds of bonus rewards and prefer a card with no annual fee, Discover it with Cashback Match might be for you.

What Are the Rates for Discover it with Cashback Match?

The introductory rate for purchases and balance transfers is 0% APR. This introductory rate will last for 14 months after which cardholders are subject to a rate ranging from 11.99% APR to 23.99% APR based on creditworthiness. The rate for cash advances is 25.99% APR. There is no penalty APR. APRs will vary with the market based on the prime rate.

What Are the Fees for Discover it with Cashback Match?

There is no annual fee. There is no foreign transaction fee. Balance transfers incur a fee of 3% of the amount of each transfer. Cash advances incur a fee of either 5% of the amount of each cash advance or $10, whichever is greater. There is no late payment the first time a cardholder pays late, but after that, a cardholder will be charged a fee up to $37. Returned payments incur a fee up to $37. The minimum interest charge is a fee of $0.50.

What Is the Rewards Program Like for Discover it with Cashback Match?

Cardholders earn 5% cash back on purchases from rotating categories such as gas stations, Amazon.com and restaurants. Categories rotate quarterly and each category has an earnings cap, which can change, around $1,500. Additionally, cardholders get a cashback match for the rotating categories equaling the rewards earned during their first year of having the card.

Cardholders also earn 1% cash back on all other purchases. Cashback earnings can be redeemed at any time and never expire.

What Is the Signup Bonus for Discover it with Cashback Match?

Cardholders who applied through Amazon.com get a $75 statement credit after their first Amazon.com purchase is made using the card if the purchase is made within three months.

Does Discover it with Cashback Match Have Any Other Benefits?

Discover it with Cashback Match provides cardholders with access to their FICO Credit Scores and offers $0 fraud liability.

How Is Discover it with Cashback Match Better Than Other Credit Cards?

Discover it with Cashback Match has no annual fee, no foreign transaction fee and an introductory rate for purchases and balance transfers of 0% APR, which is good for 14 months. The cashback rewards program provides earnings on all purchases plus extra returns on rotating categories. The credit card also comes with added benefits like $0 fraud liability and access to your credit score.

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

Available in 50 States and Washington, DC
  • 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 / Deferred Interest (Months)
25
Annual Fee
$0
No Annual Fee
No Foreign Transaction Fee
Returned Payment Fee
$37
Late Payment Penalty
$37
Minimum Interest Charge
$0.5
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
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Personal
Card Type
  • Balance Transfer
  • Cash Back
  • Rewards
  • Zero Percent
Card Network
  • Discover
Free FICO Score
Fraud Liability
Bonus Rewards
5x
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
Every Purchase
1x
Signup Bonus
$75
Purchases APR
11.99% - 23.99%
0% 29%
Introductory Rate
0%
Balance Transfer APR
11.99% - 23.99%
8% 29%
Transfer Fee
3%
Introductory Rate
0%
Intro APR period (months)
14

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