14
Benefits2
Reward Categories5x
Max Reward18.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
|
Rotating Categories
Rotating |
5x | Cash Back | Activate to earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to $1,500 in purchases each quarter when you activate. | $6,000 | |
| All Other Purchases | 1x | Cash Back | 1% cash back on all other purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 5x
Categories: Rotating quarterly categories (e.g., Gas Stations, Restaurants, Grocery Stores, Digital Wallets, Amazon.com, Target, Walmart)
Quarterly Rotating: Yes
Cap Amount: $1,500.00
Expiration Policy: Cash back rewards do not expire as long as the account is active.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed) 14 Total
PENDINGCash Back Rewards 2
5% Cash Back on Rotating Categories
5% cash back on activated rotating categories, up to quarterly maximumEarn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay with PayPal, up to the quarterly maximum, when you activate.
Unlimited 1% Cash Back
1% cash back on all other purchasesEarn unlimited 1% cash back on all other purchases—automatically.
Customer Service 1
U.S.-based 24/7 Customer Service
24/7 access to U.S.-based customer service representativesTalk to a real person any time. Our U.S.-based Customer Service is available 24/7.
Fees & Charges 4
No Annual Fee
No annual feeNo annual fee.
No Foreign Transaction Fees
No fees on international purchasesNo foreign transaction fees.
No Penalty APR for Late Payments
No increase in APR due to late paymentsWe don't charge a penalty APR for late payments. Paying late won't raise your APR.
First Late Payment Fee Waived
First late payment fee automatically waivedYour first late payment is automatically waived.
Financial Management 1
Free FICO Score
Free FICO Score accessGet your FICO® Score for free on your monthly statements and online.
Introductory Offer 3
Cash Back Match
Dollar-for-dollar match of all cash back earned in the first yearDiscover 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. Just a dollar-for-dollar match.
0% Intro APR on Purchases
0% intro APR on purchases for 15 months0% intro APR on purchases for 15 months. Then a variable purchase APR applies, 18.24% - 28.24%.
0% Intro APR on Balance Transfers
0% intro APR on balance transfers for 15 months0% intro APR on balance transfers for 15 months. Then a variable purchase APR applies, 18.24% - 28.24%.
Security 3
Fraud Monitoring
Daily account monitoring for suspicious activityDiscover monitors every account, every day, for suspicious activity. If we spot something unusual, we'll notify you by email, text, or phone.
$0 Fraud Liability
$0 liability for unauthorized purchasesYou're never responsible for unauthorized purchases on your Discover card.
Freeze it® on Demand
Ability to instantly freeze/unfreeze card activityStop new purchases, cash advances & balance transfers on your account in seconds with Freeze it® on the Discover Mobile App and website.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$0
Cash BackRequirement: Spend $0 in 360 days
Timing: Discover will automatically match all the cash back you’ve earned at the end of your first year. The matched cash back will be applied to your account within 1-2 billing cycles after your 12th billing cycle closes. The SignupBonusAmount is listed as 0.00 because the actual bonus value is variable, matching all cash back earned in the first year.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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 & APR
PENDINGStandard APR
Purchase APR: 18.24% - 29.24%
Balance Transfer APR: 18.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Discover it Cash Back card offers a unique 'Cashback Match' bonus: Discover will automatically match all the cashback you've earned at the end of your first year, dollar-for-dollar. This is not a traditional sign-up bonus with a specific spend requirement, but rather a match of all rewards accumulated over the first 12 months. Eligibility requirements typically include having good to excellent credit (generally a FICO score of 670+), being at least 18 years old, and a U.S. resident. A key application rule for Discover is that an individual can generally only hold one personal Discover credit card at a time.
Max Cards Per Issuer: 1
Min Spend Interval: N/A - Cashback Match applies to all cashback earned during the entire first year, not a specific spend interval.
Cliff Effect Rules: The primary 'cliff effect' for Discover personal cards is the strict 'one personal card per customer' policy. This means you cannot hold multiple Discover personal cards simultaneously. If you close a Discover personal card, there is typically a waiting period (e.g., 12 months) before you are eligible to open another personal Discover card and qualify for a new Cashback Match bonus, preventing rapid account churning.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.5 / 5.0
Top Positive:
Strong cash back rewards with rotating categories, no annual fee, excellent for credit building, and highly-rated customer service.
Top Negative:
Requires active management of rotating bonus categories, occasional merchant acceptance issues internationally, and potentially low initial credit limits.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One Quicksilver
- Citi Custom Cash
Card Value Score: 88.0 / 100
Est. Annual Rewards: $650.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0