Discover it Cash Back Credit Card
The Discover it Cash Back is a standout card for consumers who want a high cash back rate in rotating quarterly categories and solid intro APR offers on purchases and balance transfers as well.
If you're a new Discover it Cash Back card member, you may qualify for the Cashback Match offer: the issuer will match all the cash back you earn in the first 12 months after opening an account.
Positive points
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Offer
Generous introductory offer
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Initial APR
New cardholders will pay 0% APR
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Rewards fee
You can earn up to 5% cash back on specific categories
Negative points
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Extended warranty
No extended warranty protection
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History
Have a good credit history
With each activated quarter, you can earn 5% cash back on up to $1,500 in combined spending in quarterly categories. You'll also get 1% cash back on all other purchases.
You must remember to activate the category each quarter before you start spending. You will only earn the 5% rate after activation. This means that if you wait to activate your second quarter categories, you will not earn the 5% rate on any qualifying spend.
Annual fee
No annual fee
Score
Monthly credit score
Cash back
Money back does not expire
Service
Customer service
Credit score
To be approved for the Discover it Cash Back card, you will probably need a good to excellent credit score. A good credit score typically falls between 670 and 739, though approval is at Discover's discretion. Click the button below and apply for your card:
Customer service
- Customer Satisfaction Rating;
- 24/7 Customer Service;
- Online Chat Available;
- Google Play Store Mobile Application Rating;
- Apple Store Mobile Application Rating.
Redeeming rewards
Cash back can be redeemed for any amount, at any time, in the form of a credit statement or electronic deposit. Cash back can also be redeemed directly on Amazon or PayPal. Cash back rewards never expire. Click the button below and apply for your card:
