Discover it® Cash Back

4.9 9.8/10 DebitCue Score Verified Jun 20, 2026

Rotating 5% categories with a first-year cash back match.

Fee: No fee
Purchase APR: 17.49% - 26.49%
Interest-free: 25 days
Foreign fee: None

Rewards

5% cash back on rotating quarterly categories (up to $1,500 per quarter, activation required); 1% on all other purchases

Welcome offer

Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year with no cap

Our verdict

What stands out, and where it falls short.

What we like

5% cash back on rotating quarterly categories (up to…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Discover it® Cash Back fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.49% - 26.49%
Interest-free period: 25 days
Foreign transaction fee: None
Intro APR (purchases): 0% for 15 months, then 17.49%–26.49% variable
Intro APR (balance transfers): 0% for 15 months, then 17.49%–26.49% variable
Cash advance APR: 29.99% variable

Rewards and features

Rewards: 5% cash back on rotating quarterly categories (up to $1,500 per quarter, activation required); 1% on all other purchases
Welcome offer: Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year with no cap
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
5% category activation: Must activate each quarter; capped at $1,500 in combined category purchases

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees
Free FICO® Score access
Dark web SSN monitoring alerts
First late fee forgiven

Eligibility

What you need before you apply.

Credit score: Good to excellent (FICO 670+)

Discover it® Cash Back: your questions answered

Does the Discover it® Cash Back have a card fee?

No - the Discover it® Cash Back has no card fee.

What rewards does the Discover it® Cash Back earn?

The Discover it® Cash Back earns 5% cash back on rotating quarterly categories (up to $1,500 per quarter, activation required); 1% on all other purchases.

Does the Discover it® Cash Back charge foreign transaction fees?

No - the Discover it® Cash Back has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the Discover it® Cash Back?

Yes - up to 25 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Discover it® Cash Back?

The Discover it® Cash Back has a purchase APR of 17.49% - 26.49%.

Does the Discover it® Cash Back have a welcome offer?

Yes - Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year with no cap.

Is the Discover it® Cash Back a credit, debit or prepaid card?

The Discover it® Cash Back is a credit card issued by Discover on the Discover network.

Does the Discover it® Cash Back support Apple Pay and Google Pay?

Yes - the Discover it® Cash Back works with both Apple Pay and Google Pay.