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Free Social Security number alerts
We'll monitor thousands of Dark Web sites when you sign up.1
Intro Balance Transfer Offer
% intro APR† for months on balance transfers.
Then Standard Variable Purchase APR applies.
Earn 5% Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.5% Cashback Calendar. Opens in a new dialog window
Unlimited Cashback Match
Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!2 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Redeem with Ease
Your cash back never expires. Redeem your rewards in any amount, at any time.3
Low Intro APR
Get a % intro APR for months on purchases. Then Standard Variable Purchase APR applies.*
Compare Cash Back Credit Cards
| Discover it Credit Card | Discover it® Cash Back Credit Card |
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| No Annual Fee |
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| Rewards | ||||||
| Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2 See issuers' websites for their new cardmember bonuses. |
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| Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate.
Plus earn 1% cash back on all other purchases. See rewards for compared and similar cards |
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| Redeem your rewards for cash in any amount. |
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| Redeem your rewards for cash at any time.3 |
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| Your cash back never expires3 |
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| Use your rewards instantly at Amazon.com checkout6 |
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| Use your rewards instantly when you pay with PayPal10 |
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| Security | ||||||
| Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites. 1 |
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| Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report. 1 + |
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Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +
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| Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 |
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| $0 Fraud Liability - you're never responsible for unauthorized purchases on your Discover card 11 |
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| Free overnight shipping for card replacement to any U.S. street address at your request7 |
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| Value | ||||||
| Paying late won't raise your APR |
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| No late fee on your first late payment |
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| No overlimit fee |
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| No foreign transaction fee |
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| Service | ||||||
| Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more † 5 |
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| 100% U.S. - based customer service available any time |
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| Pay your bill up to midnight (ET) the day it's due by phone or online |
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††Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases, 1% as you pay them. Capital One Quicksilver: 1.5% on all purchases. Chase Freedom Unlimited: 3% at drugstores and dining at restaurants (includes takeout and eligible delivery services), 5% on travel purchases through Chase, 5% at grocery stores for first year, 5% on qualifying Lyft rides through 3/2022, 1.5% on all other purchases. Bank of America Customized Cash Rewards: 3% in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. American Express Blue Cash Everyday Card: 3% at supermarkets on the first $6,000 of eligible purchases in a calendar year, 2% at gas stations & select department stores, 1% on all other purchases. Cash back rewards for similar cards of compared issuers: Chase Freedom Flex: 3% at drugstores and dining at restaurants (includes takeout and eligible delivery services), 5% on travel purchases through Chase, 5% at grocery stores for first year, 5% on qualifying Lyft rides through 3/2022, 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate, 1% on all other purchases.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2021.
†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.
+Discover's free alerts are based on information from your Experian® credit report.
Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2021.
†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.
+Discover's free alerts are based on information from your Experian® credit report.
Benefits that don't just talk the talk
Freeze it® on/off switch for your account.
If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.4
FICO® Credit Score for free.
Easily view your FICO® Credit Score on monthly statements, mobile and online for free.5
Learn More
Looking out for you.
We monitor every purchase, everyday for suspicious activity. And you‘re never responsible for unauthorized purchases on your Discover card.
100% U.S.-based customer service.
You can talk to a real person from our customer service any time. Plus get powerful, fast mobile and online service.
Accepted where you love to shop nationwide.
Discover is accepted nationwide by 99% of the places that take credit cards.9
Tap to pay.
It's fast and easy to pay with your contactless Discover Card at millions of places.
No annual fee
- 0% Intro APR† for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until 1 10, 2022.
- Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
Discover it® Cash Back credit card
- Back to footnote flash. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
- Back to footnote match. Cashback Match: Only from Discover, as of August 2021. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
- Back to footnote redeem. Rewards Redemption: Your rewards never expire. We will credit your account or send you a check with your rewards balance if your account is closed or if it has not been used within 18 months.
- Back to footnote freeze. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- Back to footnote fico. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
- Back to footnote amazon. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.
- Back to footnote replacement. Free Overnight Card replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- Back to footnote paypal. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
- Back to footnote amazon. Acceptance: According to the Feb 2021 issue of the Nilson Report
- Back to footnote paypal. Use Rewards with PayPal: For complete details on how to Pay with Cashback Bonus with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases. All reward redemptions are subject to Discover's reward program terms.
- Back to footnote fraud liability. $0 Fraud Liability: An "unauthorized purchase" is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.
- Back to footnote review. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/it-card/reviews/
