Discover it® Cash Back
Basic Information
Program ID: discover-it-cash-back
Issuer: Discover
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:04
Last Scraped: 01/15/2026 07:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 1,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 18 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Discover will automatically match all the cash back you’ve earned at the end of your first year. The matched cash back is applied to your account within 1-2 billing cycles after your first 12 consecutive billing cycles close.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Rotating categories announced quarterly (e.g., Gas Stations, Restaurants, Grocery Stores, Amazon.com, Target, Digital Wallets, etc.)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Discover it® Cash Back card offers a unique 'Cashback Match' bonus for new cardmembers: Discover will automatically match all the cash back you've earned at the end of your first year. There is no minimum spend requirement to trigger this bonus, as it applies to all cashback earned within the first 12 billing cycles. Eligibility typically requires good to excellent credit, being 18 years or older, a U.S. resident, and possessing a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). A key application rule is that Discover generally allows only one active personal Discover card per individual at a time.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: The Cashback Match bonus is applied automatically at the end of the first 12 billing cycles, matching all cashback earned during that period. There is no specific minimum spend amount or interval required to 'unlock' the bonus, as it's a match of all earned cashback.
Shutdown Risk Triggers: Manufactured spending (MS), excessive credit limit requests without corresponding income, abuse of return policies or cashback programs, frequent late or returned payments, suspicious spending patterns inconsistent with reported income, and rapid application for multiple credit products across various issuers (though Discover is generally less sensitive to this than some other banks).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent customer service, great for building credit, valuable rotating 5% cash back categories, and a generous first-year cash back match. No annual fee is a significant plus.
Top Negative Feedback:
Limited acceptance compared to Visa/Mastercard, requires activation and tracking of rotating categories, and lower rewards (1%) outside of bonus categories.
Approval Experience Score: 88.5 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One Quicksilver Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0
Last Updated: 07/29/2024 12:34