The Discover it® Cash Back Credit Card is one of the most rewarding no-annual-fee cards available. It offers 5% cash back on rotating quarterly categories like gas stations, grocery stores, restaurants, Amazon.com, and more (up to the quarterly maximum when you activate). Plus, you earn unlimited 1% cash back on all other purchases automatically.
What makes this card truly stand out is the Cashback Match™ program — Discover will match all the cash back you've earned at the end of your first year, dollar for dollar, with no cap. This effectively doubles your rewards in year one, making it an exceptional choice for new cardholders looking to maximize their earnings.
How does the Cashback Match™ work?
At the end of your first year as a cardmember, Discover automatically matches all the cash back you've earned — dollar for dollar. There's no minimum to redeem, no maximum limit, and no action required on your part. It's automatic.
Is there an annual fee for this card?
No, the Discover it® Cash Back Card has no annual fee — ever. You get to keep all your rewards without worrying about yearly charges eating into your cash back earnings.
What credit score do I need to qualify?
Generally, applicants with good to excellent credit (670+) have the best approval chances. However, Discover is known for being more accessible than many competitors, and you can check if you pre-qualify without affecting your credit score.
How can I redeem my cash back rewards?
You can redeem your cash back anytime for any amount. Options include statement credits, direct deposit to your bank account, gift cards from popular retailers, or donations to select charities. There's no minimum redemption threshold.
Does Discover charge foreign transaction fees?
No! The Discover it® Cash Back Card has no foreign transaction fees, making it a great option for international travel. However, keep in mind that Discover's acceptance network is smaller abroad compared to Visa or Mastercard.
How to Apply for the Discover it® Card
Applying is quick and simple. Click the button above to access our detailed review page where you'll find complete information about card benefits, requirements, and a direct link to the official application. The online application takes just minutes to complete, and you may receive an instant decision. Have your personal information, income details, and Social Security number ready to speed up the process.
