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Discover It® Cash Back Credit Card

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The Discover It® Cash Back Credit Card is a cash back credit card designed for people who don’t mind a little bit of effort to earn 5% cash back. Discover has a number of categories each quarter that you can choose from. Rotating categories include grocery stores, gas stations, Target, restaurants, and Amazon. The 5% rewards are capped at $1,500 per quarter. What you’ll do is choose from what’s offered, activate your category and then enjoy 5% cash back. You do need to remember to choose a category and activate it every quarter. If you forget, you’ll earn just 1% cash back.

This card also offers a 0% introductory APR rate on purchases and balance transfers for the first 15 months. We dive into the details and your approval odds in this Discover It review.

Discover It® Cash Back Credit Card
Our Rating
4.4/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
1% - 5%
0% on Balance Transfers
15 Months

Rewards

5% cash back
Rotating Categories
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 5% cash back on up to $1,500 in purchases when you activate.
1% cash back
On all other purchases
Earn 1% cash back on all other purchases - automatically.

Welcome Offer

There’s no welcome bonus, but there is something called Cash Back Match. At the end of your first year of membership, Discover will match whatever you’ve earned in cash back.

So if you max out the 5% cash back category every quarter, you can earn $300 in a year, and Discover will match that with another $300 (note this is only for the first year).

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • No welcome bonus
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksNone

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR16.24% to 27.24% (V) APR

0% APR

Get 0% APR on purchases and balance transfers for the first 15 months. After which your rate will be 16.24% to 27.24% variable, depending on creditworthiness.

What Credit Score Is Required to Get the Discover It?

Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 666, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved09/24/2021
786
Equifax
$3,000
Approved08/06/2021
705
Experian
$9,000
Approved06/21/2022
673
Experian
$11,500
Approved06/21/2022
677
TransUnion
$11,500
Approved06/21/2022
684
Equifax
$11,500
Approved11/24/2021
672
Experian
$1,100
Approved05/01/2021
666
Experian
$6,500
Approved09/24/2021
746
TransUnion
$3,000
Approved09/24/2021
772
Experian
$3,000

What Are the Best Alternatives?

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

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Rewards Range

1% - 5%

Annual Fee

$0

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Citi Custom Cash Card
Citi Custom Cash Card

Rating

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Rewards Range

1% - 5%

Annual Fee

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Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

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Rewards Range

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Annual Fee

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