Intro APR
Purchases: 0% Intro APR, 15 months
Balance Transfers: 0% Intro APR, 15 months
Regular APR
11.99% – 22.99% Variable APR
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- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Click “APPLY NOW” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Why we rate this as a top cash back card
0% intro APR for 15 months for purchases — on top of the high cash back rate, this card also features a very competitive 0% intro APR offer. The go-to variable rate applies after the intro period expires. This can be a smart way to finance larger purchases, or simply if you find yourself in a temporary bind and want to avoid interest into 2023.
0% intro APR for balance transfers –– The same length 0% intro APR for 15 months applies for balance transfers. The go-to variable rate applies after the intro period expires. If you have credit card debt, you can transfer it to this card to avoid interest charges for well over a year on that transferred balance. Plus, you could use the cash back you earn from the card to help pay off any previous debt.
Earn up to 5% cash back — Cardholders earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum of $1,500 on purchases and when you activate. Category activation is easy: Discover will send you an email before each quarter, and then you simply activate with one click. All other purchases earn 1% cash back.
Unlimited Cashback Match sign-up bonus — This is my favorite perk of the card, and one that is unique and highly valuable. Discover will automatically match all the cash back you’ve earned at the end of your first year for new cardholders, which can help lead to a truly incredible amount of cash back in your pocket.
$0 annual fee — Credit cards packed with valuable features tend to charge a high annual fee, but not this card.
When you apply for Discover it® Cash Back you should have a high likelihood for approval with good to excellent credit and a FICO® Score of at least 670. Carrying a lower score can potentially earn you approval but the lower your credit score, the less likely approval is. If you’d like some tips on increasing your credit score above 670, see this page.
