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Updated 2026-02-10
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DiscoverEditor's PickLast verified: February 2026
Discover it® Cash Back
Rotating 5% categories with unique Cashback Match for first year - effectively double cash back.
on Discover's secure site
Welcome Bonus
Cashback Match
Annual Fee
$0
Base Rewards
1x
APR
18.24% - 27.24%
Card Details at a Glance
Last verified: February 2026IssuerDiscover
Card CategoryCashback
Annual Fee$0 (No Annual Fee)
Regular APR18.24% - 27.24% (Variable)
Intro APR0% for 15 months
Foreign Transaction FeeNone
Balance Transfer Fee5% (or $5 min)
Base Rewards Rate1x on all purchases
Credit Score NeededGood (700+)
Welcome BonusDiscover matches all cash back earned in the first year
Pros & Cons
Pros
- Discover matches all cash back earned in the first year
- No annual fee
- No foreign transaction fees
- 0% intro APR for 15 months
- Up to 5x rewards on rotating
Cons
- High ongoing APR range (up to 27.24%)
- Requires good credit (700+) for best approval odds
- 5% balance transfer fee
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
People who prefer simple cash back over points systems
Those who want strong rewards without paying an annual fee
Anyone needing 15 months of 0% interest on purchases
International travelers who make purchases abroad
Card Overview
Rotating 5% categories with unique Cashback Match for first year - effectively double cash back.
Rewards at a Glance
rotating5x
Everything else1x
Key Highlights
- 5% cash back on rotating categories (up to $1,500/quarter)
- Cashback Match: Discover matches all cash back first year
- 0% intro APR for 15 months on purchases and balance transfers
- No annual fee
- Free FICO credit score
Like what you see?
Apply for the Discover it® Cash Back directly on Discover's secure website.
Secure5-minute applicationInstant decision
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Ready to Apply?
Welcome Bonus
Discover matches all cash back earned in the first year
Estimated value: ~$300
Secure application on Discover's site
207 people applied this week
Key Benefits
- 5% cash back on rotating categories (up to $1,500/quarter)
- Cashback Match: Discover matches all cash back first year
- 0% intro APR for 15 months on purchases and balance transfers
- No annual fee
- Free FICO credit score
Why Trust Our Review?
Independent analysis of 200+ cards
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.