Updated October 2026|Facts Verified
Sources
Discover official site
My cards

Discover it® Cash Back

Discover · Discover network · $0 annual fee

Compare this card →View full details
670
Min Score
17.49–26.49%
APR Range
0%
Intro APR · 15 mo
No
Foreign Fee
$0
Annual Fee
Intro Offer · Cashback Match
Unlimited match
Discover matches all the cash back you earn in year one
Applied automatically at the end of your first 12 months — so bonus categories effectively earn 10% and everything else 2% for your first year. No minimum spend and no cap.
Know the moment this bonus changes
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How You Earn · cash back
Rotating
5%
Rotating quarterly categories — activate, up to $1,500/qtr
Purchases
1%
Everything else, unlimited

Q3 2026 (Jul–Sep): gas stations & EV charging, transportation (transit plus eligible airfare), and drugstores. Activate each quarter in your account.

What comes with the card. Tap a row for details.

1st yrCashback Match▾
At the end of your first year, Discover automatically matches all the cash back you’ve earned — dollar for dollar, with no cap and no minimum spend. Effectively doubles your year-one rewards.
15 mo0% intro APR▾
0% intro APR for 15 months on purchases and balance transfers, then a 17.49%–26.49% variable APR based on creditworthiness. A 3% intro balance-transfer fee applies (up to 5% on future transfers).
$0No annual fee▾
No annual fee, ever.
NoNo foreign transaction fee▾
No added fees on purchases made abroad, wherever Discover is accepted.
NeverCash back never expires▾
Your cash back never expires for the life of the account, and you can redeem any amount at any time.

Discover is accepted at 99% of U.S. places that take credit cards (Nilson Report). Terms apply; verify current details with Discover.

Free tools and protections built into the card. Tap a row for details.

$0Fraud liability▾
You’re never responsible for unauthorized purchases made on your Discover card.
FreeFICO® Score▾
See your FICO® Credit Score for free, updated regularly online and on statements.
FreezeFreeze it® account control▾
Freeze your account in seconds from the app or website to block new purchases, cash advances and balance transfers if you misplace your card.
AlertsIdentity & dark-web alerts▾
Free alerts if your Social Security number is found on a risky website, plus monitoring options. Activation required.

Tools are provided by Discover; features and availability may change.

The latest changes to this card — newest first. Verified against issuer terms.

Q3 2026NEW

New 5% categories: gas, transportation & drugstores

From July 1 to September 30, 2026, activate to earn 5% back at gas stations and EV charging, on transportation (transit plus eligible airfare), and at drugstores — on up to $1,500 in combined purchases.

2026

Cashback Match still doubles year one

Discover continues to match all the cash back new cardholders earn in their first 12 months — no cap and no minimum spend.

2025

Discover is now part of Capital One

Capital One completed its acquisition of Discover in May 2025. The Discover it® Cash Back and its rewards continue as usual — we’ll note any changes to terms here.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Discover before applying.