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Discover it Cash Back Credit Card
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The Discover it Card was first launched in the early 2010s. It was introduced to the public as a cashback credit card, and was aimed at directly competing against the Blue Cash from American Express, Chase Freedom, Capital One Quicksilver, and other cards. The popularity of the brand quickly led Discover to make it their flagship.

Initially the card came with a straight percent back on all purchases, but subsequently the cash reward is now based on revolving categories that change quarterly.

Annual Percentage Rate (APR)

Introductory Offer for Purchases and Balance Transfers

0% interest for the first 14 months
Purchases and Balance Transfers: 11.99% up to 22.99%
Cash Advance: 24.99%
Penalty Rate: None
Minimum Interest Charge: $0.50

Credit Card Fees

Annual: None
Intro Balance Transfer Fee: 3% available until April 10, 2020
Standard Balance Transfer Fee: 5%
Cash Advance: The greater of $10 or 5% of the amount advanced
First Time Late Payment: None
Late Payment: Up to $40

Sign-up Bonus and Benefits

Cashback Bonus Match

Discover will match the amount of cashback you've collected for the first 12 months the account is opened.

Cashback Bonus Program

  • 5% Cashback Bonus on select purchase categories, which rotate quarterly
  • Must activate each quarter to gain bonus
  • 1% cashback on all other purchases
  • Rewards are credited to your account within 2 billing cycles
  • Rewards never expire


Apply Online
Apply by Phone: 877-587-1605
Pay Your Bill Online
Minimum Credit Line: $500

How to Activate Quarterly Cashback Bonus

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