Discover it® Cash Back Credit Card Review: Rewards, No Fees, and Intro APR

The Discover it® Cash Back Credit Card offers exceptional rewards with no annual fee. Users can enjoy 5% cash back on rotating categories, 1% on all other purchases, and a unique Unlimited Cashback Match in the first year. The introductory interest rate stands at 0% APR for 15 months for both purchases and balance transfers, then variable APR of 17.49% to 26.49% applies. Credit limits are determined based on your creditworthiness, making this card suitable for many applicants.

How to Apply for the Discover it® Cash Back Card

• Check if you are pre-approved to avoid impacting your credit score.
• Fill out the application form online with your personal and financial details.
• Review the terms, rewards, and fees before submitting your application.
• Wait for a decision, which usually comes within minutes.

Pros of the Discover it® Cash Back Card

The Unlimited Cashback Match at the end of the first year makes this card attractive for new users, doubling your total earned rewards. Additionally, there’s no annual fee, so you can keep it without worrying about maintenance costs.

Another benefit is Discover’s 0% intro APR for the first 15 months, providing flexibility for large purchases or balance transfers without initial interest accrued.

Cons of the Discover it® Cash Back Card

The rotating 5% categories require activation each quarter and may not always align with your spending habits. There’s also a 3% balance transfer fee during the introductory period, and up to 5% for future transfers, which can add up for larger amounts.

Acceptance outside the US may be limited compared to some major competitors, so it is less ideal for frequent international travel.

Our Verdict

If you want a straightforward card with great introductory perks, flexible cashback, and no annual fee, the Discover it® Cash Back Credit Card is a top choice. The rewards and features make it appealing for everyday spenders and those building credit.