- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good
Discover
Discover it® Cash Back
Built for everyday spenders looking for a low-maintenance way to earn rewards, the Discover it Cash Back provides cash back on daily purchases with no annual fee.
Welcome Offer
100% match on all cash back earned in the first year
Annual Fee
$0
Rec. Credit Score
Good
Good For
Everyday cash back spenders
All information about Discover it® Cash Back has been collected independently by MaxRewards. Discover it® Cash Back is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Discover it® Cash Back worth it?
This card is great for...
Everyday cash back
No annual fee strategy
For spenders seeking a simple cash back card without an annual fee, the Discover it Cash Back offers an accessible option. Because it costs nothing to carry, any cash back you earn goes directly into your pocket without the pressure of offsetting a recurring fee.
However, cardholders who prefer a higher flat rate on every purchase without managing category tracking may get more consistent value from a standard flat-rate cash back card. For those focused on standard earnings and zero annual cost, this card remains an easy, low-risk fit.
MaxRewards Verdict
The Discover it Cash Back is a reliable, fee-free card for earning simple cash back, though flat-rate spenders may prefer higher baseline rewards.
Welcome Offer
100% match on all cash back earned in the first year
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to the match.
No minimum spend required.
Earning
Rewards
Earnings accrue as flexible cash back on your purchases, providing straightforward value without tricky point conversions.
CategoryRate
Gas
Jul 1 – Sep 30 · Up to $1,500 in spend
5%
Amazon
Oct 1 – Dec 31 · Up to $1,500 in spend
5%
Everywhere
1%
Benefits
More Benefits
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.49% - 26.49%
Variable
Transfer APR
17.49% - 26.49%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$0.05
Cash Advance
$10
Late Payment
$41
Return Payment
$30
Questions
Frequently Asked Questions
Earn 100% match on all cash back earned in the first year.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Featured in
Other cards from Discover
See all 7 cards
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Good
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good