Discover it® Cash Back
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Free Social Security number alerts
We'll monitor thousands of Dark Web sites when you sign up.1
Learn More about alerts.
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
Compare Cash Back Credit Cards
|Discover it Cash Back Credit Card||Discover it® Cash Back Credit Card||Blue Cash Everyday Card from American Express‡||Chase Freedom Unlimited‡||Capital One Quicksilver Cash Rewards Credit Card‡||Citi Double Cash Card‡||Bank of America Customized Cash Rewards‡|
|No Annual Fee|
|Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2See issuers' websites for their new cardmember bonuses.|
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 1% cash back on all other purchases
††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 July 2021.
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
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
Interested in more credit information?
Visit the Discover Credit Resource Center
Discover it® Cash Back credit card Footnotes
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
- 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.
- Cashback Match: Only from Discover, as of July 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.
- 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.
- 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.
- 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.
- Amazon: Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.
- 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/
- PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
- Acceptance: According to the Feb 2021 issue of the Nilson Report
- 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.