Discover It® Cash Back Credit Card
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The Discover It® Cash Back Credit Card is a cash back credit card designed for people who don’t mind a little bit of effort to earn 5% cash back. Discover has a number of categories each quarter that you can choose from. Rotating categories include grocery stores, gas stations, Target, restaurants, and Amazon. The 5% rewards are capped at $1,500 per quarter. What you’ll do is choose from what’s offered, activate your category and then enjoy 5% cash back. You do need to remember to choose a category and activate it every quarter. If you forget, you’ll earn just 1% cash back.
This card also offers a 0% introductory APR rate on purchases and balance transfers for the first 15 months months. We dive into the details and your approval odds in this Discover It review.
Our Rating
4.4/5.0
Welcome Offer
Unlimited Cashback Match the first year
Annual Fee
$0
0% on Purchases
15 months
Reward Rate
1% – 5%
0% on Balance Transfers
15 months
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.24% to 28.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.24% to 28.24%(V) APR after that. |
| Balance Transfer Intro Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer. |
| Balance Transfer Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer. |
| Purchases | 0% Intro APR for 15 months on purchases, then 17.24% to 28.24% (V) APR after that. |
What Credit Score Is Required to Get the Discover It® Cash Back Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 666
Average Approved Credit Score: 709
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/24/2021 | Equifax | ||
| Approved | 08/06/2021 | Experian | ||
| Approved | 06/21/2022 | Experian | ||
| Approved | 06/21/2022 | TransUnion | ||
| Approved | 06/21/2022 | Equifax | ||
| Approved | 11/24/2021 | Experian | ||
| Approved | 05/01/2021 | Experian | ||
| Approved | 09/24/2021 | TransUnion | ||
| Approved | 09/24/2021 | Experian |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- No welcome bonus
- Requires good credit
What Are the Best Alternatives?
Chase Freedom Flex(SM)
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0