Discover it Cash Back
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-20
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Rates and fees
- Annual fee
- $0
- Purchase APR
- 17.49% to 26.49% variable
- Introductory APR
- 0% on purchases and transfers for 15 months from account opening; then the regular variable APR applies.
- Balance transfer APR
- 17.49% to 26.49% variable
- Balance transfer fee
- 3% during the first 15 months; afterward 5% on promotional-rate transfers, no fee at the standard purchase APR
- Cash advance APR
- 28.49% variable
- Cash advance fee
- 5% of each advance, $10 minimum
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
Discover matches the cash back earned during your first year, with no maximum. New cardmembers only; match is paid after the first year.
5% in rotating categories on up to $1,500 per quarter with activation; 1% on other purchases
- 5% in rotating quarterly categories after activation, up to the quarterly maximum; 1% on other purchases.
Before you apply
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
Compare similar cards
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