Discover
Cashback
•••• •••• •••• 6011
VALID THRU 12/29
Discover it® Cash Back
DISCOVER
🇺🇸 United States Best First-Year Match Credit Card

Discover it® Cash Back

Issued by Discover Financial

Famous for its 5% rotating quarterly categories (Amazon, grocery stores, restaurants, gas stations) and the generous Cashback Match that doubles everything you earn at the end of year one.

Annual Fee $0 Free Forever
Reward Rate 5% Cash Back on Quarterly Rotating Categories (up to $1,500/quarter)
APR / Profit Rate 0% Intro APR for 15 months, then 17.24% - 28.24%

Exclusive Features & Cardholder Privileges

✓

Unlimited Cashback Match™ in Year 1

Turn $150 cash back into $300, or $300 into $600 with no minimum spending or maximum limit.

✓

5% Rotating Categories

Earn 5% cash back each quarter on up to $1,500 in purchases upon enrollment.

✓

$0 Annual Fee & No Foreign Transaction Fees

Zero annual fee and no extra charges on international purchases.

✓

Free Online Privacy Protection

Helps remove your personal info from 10 popular people-search sites.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Doubled cash back in first year with Cashback Match
  • No annual fee
  • No late fee on first late payment

⚠ Considerations

  • Requires manual quarterly category activation
  • Discover acceptance abroad is lower than Visa/Mastercard

Detailed Fees & Specifications

Card Name Discover it® Cash Back
Issuing Financial Institution Discover Financial (Riverwoods, IL, USA)
Card Network DISCOVER
Card Type Credit Card
Primary Category Cashback
Annual Fee $0 Free Forever
Interest Rate / APR 0% Intro APR for 15 months, then 17.24% - 28.24%
Rewards & Cashback Rate 5% Cash Back on Quarterly Rotating Categories (up to $1,500/quarter)
Foreign Transaction Fee $0 (No Foreign Transaction Fees)
Airport Lounge Access None
0% Installments / Financing 0% Intro APR for 15 months
Welcome Bonus Offer Unlimited Cashback Match™: Discover automatically matches ALL cash back earned in Year 1
Eligibility & Credit Score Good (670 - 740)