Features

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.

  • Card Type
    • Cash Back
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Discover
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • 0% Introductory APR
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • No Annual Fee
  • No Foreign Transaction Fee
  • Fraud Liability
  • Free FICO Score
  • Cashback
  • Purchases APR
    11.99% - 23.99%
  • Transfer Fee
    3%
  • Balance Transfer APR
    11.99% - 23.99%
  • Intro APR period (months)
    14
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