Discover it^® Cash Back

This Top Cash Back Card Could Help You Pay No Interest Until 2028 + Earn an Unlimited Cashback Match & $200 Bonus

• Lengthy introductory no-interest period on both purchases and balance transfers
• Incredible cash back rewards and generous welcome offer
• No annual fee

Updated November 12, 2026

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on Issuer's secure website

Rates and fees

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on Issuer's secure website

Rates and fees

You might think you have to choose between tackling interest and earning rewards. With the Discover it^® Cash Back (Rates and fees), you don't. This card pairs 0% intro APR on purchases and balance transfers for 15 months (then 18.74% - 28.74% (Variable); Balance transfer fee applies) with generous cash back potential. Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

NEW! $200 Welcome Bonus

Excellent for earning cash back with a low intro APR

Discover it^® Cash Back

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Issuer's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

18.74% - 28.74% (Variable)

Annual Fee

$0

Rewards Rate

1% - 5% Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases

Cash back

Why We Like It

• Our Take: A multi-benefit card that could help you finance big purchases or help tackle your debt with 0% intro APR on purchases and balance transfers for 15 months (then APR is 18.74% - 28.74% (Variable); Balance transfer fee applies.)
• Earn a $200 Bonus: New for this card, receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening.
• Multiply Your Cash Back: In addition to the Intro APR, Discover will match all the cash back you've earned at the end of your first year. For example, you could turn $150 cash back into $300.

Apply Now

on Issuer's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
• UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Click Apply Now to view important rates and disclosures
• Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
• Redeem cash back for any amount. Every $1 you earn in cash back is $1 you can redeem
• Rewards don't expire for the life of the account
• No annual fee and no foreign transaction fee
• Lock your card in the Mobile app if it’s misplaced, lost, or stolen
• You're covered by $0 Fraud Liability for unauthorized charges

Apply Now

on Issuer's secure website

Rates and fees

What You Need To Know

The Discover it^® Cash Back makes a great everyday or secondary credit card as it's packed with excellent benefits — all with a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until 2028, we're also impressed with the Discover it^® Cash Back's unique welcome bonus.

Benefits and perks:

• Rotating 5% cash back categories: You have the ability to earn up to 5% cash back on different spending categories each quarter. You can earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases Redeem your rewards for cash at any time.
• Unique welcome bonus that doubles your cash back in your first year: Discover will match all the cash back you've earned at the end of your first year. You could turn $150 in cash back into $300. No caps, no hoops — it's one of the most generous first-year offers in the market.
• Intro APR offer: If you want to tackle high-interest debt or finance large purchases (or both!), this card is a great choice as it offers 0% intro APR for 15 months on purchases and balance transfers. After the intro period, the go-to APR is 18.74% - 28.74% (Variable) (balance transfer fee applies).
• No annual or foreign transaction fee: Keep even more money in your wallet with a $0 annual fee and no foreign transaction fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

» Apply for the Discover it^® Cash Back card.

How Discover it^® Cash Back Stacks up

With its rotating cash back categories, first-year Cashback Match™, and lengthy intro APR offer, our experts think the Discover it^® Cash Back (Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.

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Discover it® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Issuer's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

18.74% - 28.74% (Variable)

Reward Rate Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases

1% - 5% Cash back

Welcome bonus UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Click Apply Now to view important rates and disclosures. Plus, receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening

Earn Unlimited Cashback Match™ + $200 Credit

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Bank of America® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

Intro APR

Purchases:
0%, 15 billing cycles

Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.74% - 27.74% Variable

Reward Rate Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum

1% - 6% Cash back

Welcome bonus Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Wells Fargo Reflect® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Wells Fargo's secure website

Rates and fees

Intro APR

Purchases:
0%, 21 months from account opening

Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers

Regular APR

17.74%, 24.24%, or 28.49% Variable

Reward Rate

N/A

Welcome bonus

N/A

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Bottom Line: Who Is This Card Best For?

The Discover it^® Cash Back is a great choice for anyone who:

• Has good to excellent credit: The Discover it® Cash Back is recommended for applicants with good to excellent credit.
  
• Wants to pay off a large purchase over time or pay down high-interest debt Some cards offer an intro APR on just purchases or balance transfers independently, which is why we love that the Discover it^® Cash Back offers 0% intro APR for 15 months on purchases and balance transfers. That's well over a year you don't have to worry about interest payments! After the intro period, the go-to APR is 18.74% - 28.74% (Variable) (balance transfer fee applies.
• Is looking to maximize cash back rewards: While you do need to activate and track rotating reward categories, it's a reasonable tradeoff for the ability to earn an elevated rate on common spending categories. You can also receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

» Click here to apply now and pay an intro 0% APR until 2028

Up To 5% Cash Back

Discover it^® Cash Back

Benefits Card Details

• Intro APR on purchases and balance transfers
• $0 annual fee
• Apply Now

• INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
• UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Click Apply Now to view important rates and disclosures
• Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
• Redeem cash back for any amount. Every $1 you earn in cash back is $1 you can redeem
• Rewards don't expire for the life of the account
• No annual fee and no foreign transaction fee
• Lock your card in the Mobile app if it’s misplaced, lost, or stolen
• You're covered by $0 Fraud Liability for unauthorized charges

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Issuer's secure website

Rates and fees

Read Card Review

Intro Offer

UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Click Apply Now to view important rates and disclosures. Plus, receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening

Annual Fee

$0

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Why we like it

• The Discover it^® Cash Back is ideal for anyone who loves flexible rewards options.

• Cardholders can redeem their cash back for any amount.

• Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases.

• Apply Now

Discover it® Cash Back

• Pay 0% intro APR on purchases + balance transfers for 15 months, then 18.74% - 28.74% (Variable) APR (balance transfer fee applies).
• Enjoy no annual fee and the opportunity for generous cash back.
• Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

Apply Now Rates and fees

View Offer