Credit card review
Discover it Cash Back Review
DiscoverDiscoverCash backNo annual fee0% intro APR
Discover it Cash Back earned 4.5 / 5 in our 2026 review. The Discover it Cash Back earns 5% on rotating categories with no annual fee, a Unlimited Cashback Match for first year welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$0
Signup bonus
Yes
Top reward rate
5% on rotating categories
Intro APR
0% for 15 mo
Issuer
Discover
Network
Discover
Min credit score
670
Fintiex rating
4.5 / 5
Pros
- +5% cash back on rotating quarterly categories (up to $1,500 per quarter, then 1%) - gas, groceries, Amazon, restaurants, and more
- +Cashback Match: Discover doubles all cash back earned at the end of the first year
- +No annual fee
- +No foreign transaction fees
- +0% intro APR on purchases and balance transfers for 15 months
- +Free Social Security number alerts and FICO score monitoring
- +No penalty APR for late payments
- +Freeze account instantly via app
Cons
- -5% categories require quarterly activation
- -$1,500 quarterly cap on 5% categories
- -Discover not as widely accepted internationally as Visa or Mastercard
- -Only 1% after rotating category cap
Rewards detail
rotating categories
5%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
17.24% to 28.24%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 15 months
Balance transfer APR
17.24% to 28.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Discover it Cash Back is built for people who want a cash back, no annual fee or 0% intro apr card. Most approvals land at FICO 670 and above, but issuers prefer scores near 700. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Discover it Cash Back have a foreign transaction fee?
No. The Discover it Cash Back charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Discover it Cash Back?
Approvals typically start around a FICO score of 670, but Discover prefers 700 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Discover it Cash Back signup bonus?
The Discover it Cash Back offers Unlimited Cashback Match for first year. Activation rules vary by issuer, so read the terms before you apply.
Does the Discover it Cash Back have an intro APR?
Yes. The Discover it Cash Back offers a 15-month 0% intro APR. After the promo period ends, the standard variable APR of 17.24% to 28.24% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Discover it Cash Back?
$0. The Discover it Cash Back has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Discover it Cash Back worth it?
Fintiex rates the Discover it Cash Back 4.5 out of 5 for 2026. It is best for cash back and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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