Discover it® Cash Back

Name: Discover it® Cash Back
Brand: Discover

Rotating categories plus first-year match. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: DiscoverNetwork: Discover

BillSaver fitRotating categories plus first-year match

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee

Rewards

5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.

Welcome offer

Unlimited Cashback Match for all cash back earned during the first year for new cardmembers.

Intro APR

0% intro APR for 15 months on purchases and balance transfers.

Regular APR

17.49% to 26.49% variable APR.

Balance transfer fee

Balance transfer fee applies.

Foreign transaction fee

Credit profile

Good to excellent

BillSaver's view

Strong first-year upside for readers willing to activate and track quarterly categories.

Where this card can miss

Discover acceptance can be lower than Visa or Mastercard in some locations.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.