THE CARDTUNED DATABASE
Discover it Cash Back
Issuer: Discover
5% cash back in rotating everyday purchase categories each quarter up to the quarterly maximum after activation; 1% on all other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–28.49% variable after intro period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Unlimited first-year Cashback Match
- Spending requirement
- No minimum spend requirement
- Time window
- First cardmember year
Offer last checked: 2026-09-04
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | cash back in rotating everyday purchase categories each quarter up to the quarterly maximum after activation Activation required |
| Other purchases | 1% | on all other purchases Eligible net purchases outside the activated quarterly category earn the base rate; no quarterly activation required for the base rate. Activation not required |
Additional benefits
• Introductory APR terms are available, subject to the application and card agreement.
Restrictions to know
Category activation and quarterly cap apply.
Who can apply
U.S. applicant of legal age; subject to Discover credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies