Card details · Discover
Discover it Cash Back review: fees, rewards and APR
The Discover it® Cash Back is a credit card from Discover with a $0 annual fee. By our overall score it ranks #15 of the 242 credit cards we rank (store-only cards excluded). It is listed in our 0% intro APR and cash back rankings.
Key facts
- Issuer
- Discover
- Network
- Discover
- Annual fee
- $0
- Welcome offer
- Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 17.74% to 26.74% variable APR
- Balance transfer fee
- Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
- Our overall score
- 79 (#15 of 242 cards)
Rewards
- 5% rotating categories
Intro APR and balance transfers
0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Ongoing APR: 17.74% to 26.74% variable APR
Where it ranks
- Overall: #15 of 242 cards (score 79)
- 0% intro APR cards: #10 of 46 by our 0% intro APR score
- Cash back cards: #31 of 69 by our cash back score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Discover’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Discover it Cash Back?
$0, as stored in our database. Confirm the current fee on Discover’s site.
Does the Discover it Cash Back have a welcome bonus?
Our database lists this offer: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. Offers change often and terms apply.
Does the Discover it Cash Back have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time. Terms apply.
How does the Discover it Cash Back rank on YourBestCards?
#15 of 242 cards by our overall score (79). In our category lists: #10 of 46 0% intro APR cards; #31 of 69 cash back cards.
Other top-scoring cards
- 5% cash back on one spend category you pick each month with Chime Prime ($3,000+ direct deposits in 34 days), or 2% with Chime Plus ($200+ direct deposit)
- up to $1,500 of purchases a month
- no rewards outside the category or without direct deposit
- Annual fee
- $0
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
- 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership.
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- 1.5% cash back on all purchases
- 5% on Capital One Travel hotels/rentals
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.