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https://www.discover.com/credit-cards/?defaultoffer=yes&icmpgn=do-ps-it-card
DISCOVER IT® CASH BACK

IT'S EASY TO APPLY

Apply in minutes with our easy application process.



Apply Now

OR

See if You're Pre-Approved

With no harm to your credit score14

Check Now
★★★★★
★★★★★

4.7 out of 5 Average of 33616 Reviews10

See how we calculate our ratings

★★★★★
★★★★★

4.7 out of 5 Average of 33616 Reviews10

See how we calculate our ratings




NO ANNUAL FEE, PLUS...

5%
Cash Back
Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn 1% cash back on all other
purchases.


5% Cashback Calendar
Low
Intro APR
Get a 0% intro APR‡ for 15 months on purchases. Then 17.24% to 28.24% Standard
Variable Purchase APR applies.
‡See rates, rewards, fees, and other cost information >
$1 Cash Back =
$1 to Redeem
With Discover, you earn cash back you can spend, not points. So, every $1 you
earn is worth $1 when you redeem.3


5%
Cash Back
Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn 1% cash back on all other
purchases.


5% Cashback Calendar
$1 Cash Back =
$1 to Redeem
With Discover, you earn cash back you can spend, not points. So, every $1 you
earn is worth $1 when you redeem.3
$0
Fraud Liability

You're never held responsible for unauthorized purchases on your Discover
Card.12





Apply Now



99% nationwide acceptance — Discover is accepted nationwide by 99% of the places
that take credit cards.8





EXPLORE GREAT CREDIT CARD BENEFITS




Compare with others

Compare Cash back Credit Cards

Discover it® Cash Back Credit Card



Blue Cash Everyday Card from American Express‡

ChangeOpens modal dialog

Chase Freedom Unlimited‡

ChangeOpens modal dialog

Capital One Quicksilver Cash Rewards Credit Card‡

ChangeOpens modal dialog

Citi Double Cash Card‡

ChangeOpens modal dialog

Bank of America Customized Cash Rewards‡

ChangeOpens modal dialog

Rewards

No Annual Fee

All new cardmembers get an unlimited dollar-for-dollar match of all the cash
back you've earned at the end of your first year, automatically2

 

See issuers' websites for their new cardmember bonuses

Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate.

 

Plus, earn 1% cash back on all other purchases.

 

See rewards for compared and similar cards

Redeem your rewards for cash in any amount.

Redeem your rewards for cash at any time.3

Your cash back never expires3

Use your rewards instantly at Amazon.com checkout6

Use your rewards instantly when you pay with PayPal9

Security

Free recurring help removing your personal information from select people-search
sites that could sell your data. Activate by mobile app.12

$0 Fraud Liability - you're never responsible for unauthorized purchases on your
credit card11

Freeze your account in seconds to prevent new purchases with an on/off switch
available on both the mobile app and website4

Activate free alerts to know when anyone pulls your credit, so you can recognize
possible fraud 1 +

Activate free alerts to know when any new credit card, mortgage, car loan or
other account shows up on your credit report 1 +

Activate free alerts that notify you if your Social Security number is found on
any of thousands of Dark Web sites.1

Free overnight shipping for card replacement to any U.S. street address at your
request 7

Value

Paying late won't raise your APR.

No late fee on your first late payment.

Service

Get your free Credit Scorecard with your FICO® Credit Score, number of recent
inquiries and more † 5

100% U.S. Based Customer Service available any time.13

Show all features and compare

--------------------------------------------------------------------------------

††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 gas
stations for first year on up to $6,000 in eligible purchases, 5% on qualifying
Lyft rides through 3/2025, 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, 3% at gas stations on the first $6,000 of eligible
purchases in a calendar year, 3% cash back on U.S. online retail purchases on
the first $6,000 of eligible purchases in a calendar year, and 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 gas
stations for first year on up to $6,000 in eligible purchases, 5% on qualifying
Lyft rides through 3/2025, 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 October 2023.



†Compared card issuers may provide a FICO® Credit Score or other credit score
and other credit information. See issuers' websites for further details.




+Discover's free alerts are based on information from your Experian® credit
report.





.


CHOOSE A COMPETITOR TO COMPARE FEATURES

Blue Cash Everyday Card from American Express‡

Selected



Chase Freedom Unlimited‡

Select



Capital One Quicksilver Cash Rewards Credit Card‡

Select



Citi Double Cash Card‡

Select



Bank of America Customized Cash Rewards‡

Select





.

Apply In Minutes

Apply Now



SEE IF YOU'RE PRE-APPROVED - WITH NO HARM TO YOUR CREDIT SCORE14

It's fast and easy. There is no impact on your credit to view offers.


Check now


BENEFITS THAT DON'T JUST TALK THE TALK

Online Privacy Protection.

We’ll help you regularly remove your personal info from select people-search
websites that could sell your data. It’s free, activate with the Discover app.12

Free Social Security number alerts.

Get an alert if we find your Social Security Number on any of thousands of Dark
Web sites. 1 Activate for free.

FICO® Credit Score for free

Viewing your Credit Scorecard will never impact your FICO® Score.5

Learn More

100% U.S. Based Customer Service.

You can talk to a real person from our customer service team any time.13

Accepted where you love to shop nationwide.

Discover is accepted nationwide by 99% of the places that take credit cards.8

Tap to pay.

It's fast and easy to pay with your contactless Discover Card.





NO ANNUAL FEE

0% Intro APR† for 15 months on purchases and balance transfers and 3%
Intro Balance Transfer Fee until March 10, 2024. Then 17.24% to 28.24% Standard
Variable Purchase APR and up to 5% fee for future balance transfers will apply.


†See rates, rewards, fees, and other cost information > , Opens new window

Discover it® Cash Back credit card

Intro purchase APR is 0% for 15 months from date of account opening then the
standard purchase APR applies. Intro Balance Transfer APR is 0% for 15 months
from date of first transfer, for transfers under this offer that post to your
account by March 10, 2024 then the standard purchase APR applies. Standard
purchase APR: 17.24% variable to 28.24% variable, based on your
creditworthiness. Cash APR: 29.99% 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 March 10, 2024 and
up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as
of November 30, 2023. 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.



 1.  Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost,
     are available only online, and do not impact your credit score. The Alerts
     currently provide: (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. Alerts are only provided to, Primary cardmembers who agree to
     receive them online and whose accounts are open, in good standing, have a
     Social Security Number, and an email address on file. 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.

 2.  Cashback Match: 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.

 3.  Rewards Redemption: Rewards never expire. We reserve the right to determine
     the method to disburse your rewards balance. We will credit your Account or
     send you a check with your rewards balance if your Account is closed or if
     you have not used it within 18 months.

 4.  Freeze it®: When you freeze your account, Discover will not authorize new
     purchases, cash advances or balance transfers. However, some activity will
     continue, including merchant-indicated recurring bill payment, 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.

 5.  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.

 6.  Use Rewards at Amazon.com: For complete details on how to Pay with Rewards
     at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of
     this promotion. Amazon, the Amazon.com logo, the smile logo and all related
     marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your
     rewards at checkout, you must select the Discover Card from which you want
     to redeem rewards. If you do not pay for your full purchase with rewards,
     you may use the Discover Card from which the rewards were applied or an
     Amazon.com Gift Card to pay for the remainder of your purchase. You may not
     use a credit card from an issuer other than Discover or another Discover
     credit card enrolled in Shop with Points in conjunction with the rewards
     transaction.

 7.  Free Overnight Card Replacement: Free overnight shipping is not available
     to P.O. boxes or addresses outside the U.S. Carrier overnight shipping
     limitations apply that may impact the exact delivery date.

 8.  Acceptance: According to the Feb 2023 issue of the Nilson Report.

 9.  Use Rewards with PayPal: For complete details on how to Pay with Rewards
     with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be
     available for eligible credit cards on eligible purchases or rewards can be
     donated to support a charitable cause with PayPal Giving Fund. To learn
     more about Pay with Rewards, see terms and conditions.
     
     All reward redemptions are subject to Discover’s reward program terms. To
     redeem your rewards at checkout, you must select the Discover Card from
     which you want to redeem rewards. If you do not pay for your full purchase
     with rewards, you must use the Discover Card from which the rewards were
     applied to pay for the remainder of your purchase. You may not use a credit
     card from an issuer other than Discover or another Discover credit card
     enrolled in Pay with Rewards in conjunction with the rewards transaction.
     
     PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

 10. About product reviews: We calculate the average product rating based on
     ratings that customers submit. We exclude some reviews from being displayed
     for reasons such as the customer included profanity, reviewed the wrong
     product, submitted inappropriate or irrelevant content, or revealed
     personally identifying information. Reviews are not filtered, edited, or
     deleted simply because they are negative or are lower rated. If a review is
     excluded, the associated rating is not calculated in the average product
     rating.

 11. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have
     not given access to your card information to another person or a merchant
     for one-time or repeated charges. Please use reasonable care to protect
     your card and do not share it with employees, relatives, or friends. Learn
     more at Discover.com/fraudFAQ.

 12. Online Privacy Protection: Online Privacy Protection is offered by Discover
     Bank at no cost and only available in the mobile app. About every 90 days
     we will scan at least 10 people-search sites for your online personal
     information and help you submit opt-out requests. Types of personal
     information found on these sites will vary.

 13. 100% U.S. Based Customer Service: You can reach a live agent any time by
     calling 1-800-Discover (1-800-347-2683). Certain specialized customer
     service agents may not be available 24/7.

 14. There is no hard inquiry to your credit report to check if you’re
     pre-approved. If you’re pre-approved, and you move forward with submitting
     an application for the credit card, it will result in a hard inquiry which
     may impact your credit score. Receiving a pre-approval offer does not
     guarantee approval. Applicants applying without a social security number
     are not eligible to receive pre-approval offers. Card applicants cannot be
     pre-approved for the NHL Discover Card.

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