Discover it® Cash Back Card Benefits

Earn 5% cash back in rotating categories, get first-year Cashback Match and pay $0 annual fee

Earn 5% Cash Back in Rotating Categories

Activate quarterly categories to earn 5% cash back on up to $1,500 in combined eligible purchases

Pay No Annual Fee

Keep your card with a $0 annual fee; interest and other fees may still apply

Get a First-Year Cashback Match

Discover matches eligible first-year cash back for new cardmembers under the program terms

Redeem Rewards Flexibly

Redeem eligible cash back through available options, including statement credits and gift cards

Get $0 Fraud Liability

Discover offers $0 fraud liability for unauthorized card purchases, subject to applicable terms

EXPLORE CARD BENEFITS

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How Discover it® Cash Back Rewards Work

The Discover it® Cash Back card combines everyday rewards with a rotating quarterly bonus calendar.

Understanding activation, spending limits and redemption options can help you decide whether the card fits your purchases.

Quarterly activation: activate each quarter's eligible categories to earn the 5% cash back rate. Categories and exclusions may change.
Spending limit: the 5% rate applies to up to $1,500 in combined eligible purchases per activated quarter. Other eligible purchases generally earn 1%.
First-year Cashback Match: eligible new cardmembers receive a dollar-for-dollar match of first-year cash back, under program terms.
Reward redemption: options may include statement credits and gift cards, according to current program conditions.
Introductory APR: past offers have advertised 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR. Verify current terms.

The card has a $0 annual fee, although interest and transaction fees may apply. Review the current rates before carrying a balance or transferring debt.

Your Questions, Answered

Does the Discover it® Cash Back card have an annual fee?

No. The card has a $0 annual fee. Interest and other fees may apply depending on account activity.

How does the 5% cash-back program work?

Earn 5% cash back on up to $1,500 in combined eligible purchases in rotating quarterly categories after activation. Other eligible purchases generally earn 1%.

What is Cashback Match?

Discover matches eligible cash back earned by new cardmembers during the first year, dollar for dollar, subject to program terms.

Does the card offer an introductory APR?

The card has previously advertised 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR. Balance transfer fees may apply.

Can I redeem cash-back rewards?

Yes. Options may include statement credits and gift cards, subject to current rewards terms.

Is approval guaranteed?

No. Discover assesses applications based on eligibility and creditworthiness. Approval, limits and APRs are not guaranteed.

Three Things to Check Before Applying

1. Review the bonus categories. Check whether rotating categories fit your spending and remember to activate them each quarter.

2. Compare rewards and costs. Consider the $1,500 quarterly cap, introductory APR and balance transfer fees.

3. Read the current offer terms. Confirm the APR, fees, eligibility and redemption rules before applying.