Discover it® Card

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Discover it® Card

No annual fee

You EARN cash back

Earn 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon.com, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
5% Cashback Calendar

We MATCH it all your first year

Only Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.2

Your cash back NEVER EXPIRES. Redeem in any amount, at any time.3

Discover it® Cash Credit Card Discover it cash credit card thumbnail Discover it cash credit card thumbnail Discover it cash credit card thumbnail Discover it cash credit card thumbnail
NO ANNUAL FEE Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Rewards
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Earn 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon.com, up to the quarterly maximum each time you activate.
Plus 1% cash back or more on all other purchases.
See rewards for compared cards
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash in any amount. Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash any time 3 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Your cash back never expires Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Offered
Use your rewards instantly at Amazon.com checkout 4 Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Security
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website  5 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Free overnight shipping for card replacement to any U.S. street address at your request 6 Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered
Value
Paying late won't raise your APR Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
No late fee for your first late payment Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered
No overlimit fee Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
No foreign transaction fee Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Service
Get your FICO® Credit Score for free on monthly statements, on mobile and online  7 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
100% U.S. based customer service available any time Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered
Pay your bill up to midnight(ET) the day it's due by phone or online Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered
Accepted nationwide by at least 97% of the merchants that take credit cards* Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
‡Cash back rewards - Citi® Double Cash Card: 1% on purchases; 1% as you pay them. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Chase Freedom: 5% in rotating categories each quarter, up to a quarterly max each time you activate; 1% on other purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in October 2017.

†Compared card issuers may provide other new cardmember bonuses, a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.

*According to the Feb 2017 issue of the Nilson Report.
Freeze your card Discover Freeze it Freeze your card Discover Freeze it

Freeze It® on/off switch for your account.

Now if you misplace your credit card, you can Freeze It to prevent new purchases, cash advances or balance transfers on your account. Freeze or unfreeze in seconds with our mobile app or website.5

Fico credit score meter

View your FICO® Credit Score for free.7

Discover was the first major credit card to provide your FICO® Credit Score on monthly statements, on mobile and online for free. Even track recent scores in one easy-to-read chart online and on mobile.

Discover it cash credit card security Discover it cash credit card security

Looking out for you.

We monitor every purchase, every single day and let you know of any activity that looks suspicious with an email, text or phone call. And of course, we never hold you responsible for unauthorized purchases on your Discover card.

Discover U.S. Customer Service Discover U.S. Customer Service

100% U.S.-based customer Service.

Reach our live service any time you call. We won't waste your time trying to sell you other products when you call. Plus get powerful, fast mobile and online service. We overnight ship replacement cards for free to any U.S. street address at your request.6

All with no annual fee.

0% Intro APR for 14 months on purchases and balance transfers.
Then 11.99% to 23.99% Standard Variable Purchase APR applies.

3% fee for each balance transfer.

  • * Intro purchase APR is 0% for 14 months from date of account opening ; then the standard purchase APR applies.Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by 3 10, 2018 ; then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer . Annual Fee: None. Rates as of Month Date, YYYY. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  • **Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/17 (or the date on which you activate 5%, whichever is later) through 12/31/17, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Target purchases include any purchase made online or in-store at Target and SuperTarget. Individual merchants and stand-alone stores within physical Target locations may not be eligible in this category. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

    Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Target, SuperTarget and the Bullseye Design are registered trademarks of Target Brands, Inc.
  • **Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/17 (or the date on which you activate 5%, whichever is later) through 12/31/17, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Target purchases include any purchase made online or in-store at Target and SuperTarget. Individual merchants and stand-alone stores within physical Target locations may not be eligible in this category. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

    Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Target, SuperTarget and the Bullseye Design are registered trademarks of Target Brands, Inc.
  • * Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/17 (or the date on which you activate 5%, whichever is later) through 12/31/17, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Target purchases include any purchase made online or in-store at Target and SuperTarget. Individual merchants and stand-alone stores within physical Target locations may not be eligible in this category. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

    Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Target, SuperTarget and the Bullseye Design are registered trademarks of Target Brands, Inc.
  • **Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/17 (or the date on which you activate 5%, whichever is later) through 12/31/17, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Target purchases include any purchase made online or in-store at Target and SuperTarget. Individual merchants and stand-alone stores within physical Target locations may not be eligible in this category. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

    Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Target, SuperTarget and the Bullseye Design are registered trademarks of Target Brands, Inc.
  1. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at
  2. Cashback MatchTM: Only from Discover, as of October 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, Your cash back will not be matched.You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  4. Use Rewards at Amazon.com:Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.

  5. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O boxes or addresses outside the U.S Carrier overnight shipping limitations apply that may impact the exact delivery date.
  7. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit .
  • Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. .