Discover it Cash Back Credit Card

Earn 5% cash back in rotating quarterly categories and 1% on everything else, with a first-year cash back match and 15-month 0% intro APR.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ 15 months 0% intro APR on purchases and balance transfers ✓ 5% cash back in rotating quarterly categories ✓ First-year cash back match doubles all rewards
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Discover it Cash Back Credit Card

Discover · cashback

Our Verdict Recommended

The Discover it stands out with its first-year cash back match — every dollar of cash back you earn in year one gets doubled. Combined with 0% intro APR, your first year is exceptionally rewarding.

What it really costs

Annual fee No annual fee
APR Range 17.24% – 28.24%
Rewards5% cash back 5%
Minimum credit score 670

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Who it's for

Rewards-focused cardholders who want both a 0% intro period and high cash back potential, especially in year one

The good and the not so good

  • 15 months 0% intro APR on purchases and balance transfers
  • 5% cash back in rotating quarterly categories
  • First-year cash back match doubles all rewards
  • No annual fee, no foreign transaction fees
  • Must activate rotating categories each quarter
  • 5% categories capped at $1,500 per quarter
  • Discover acceptance slightly less universal than Visa/Mastercard

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