Discover it Cash Back credit card: Features & Benefits

Summary

The Discover it Cash Back Credit Card is a great choice for people who want to earn rewards on everyday spending without forking over high fees. The card offers 5% cash back in rotating categories, which change every three months and could include grocery stores, gas stations, dining, and purchases made online. You also get 1% unlimited cash back on all other purchases, making it a highly profitable choice for incidentals.

Maybe the best thing about it is the Cashback Match feature, where Discover will double the combined cashback awards you’ve collected in your first year. Suppose you earn $200 cash back. Discover doubles that, resulting in $400. This is a special reward that sets this card apart from many others to be found online.

Discover it Cash Back Card further offers no annual fee and an affordable option of earning rewards at no added charges. It is also an add-on benefit, with 0% intro APR for 15 months on balance transfers and purchases, helping pay for heavy spending or for combining debt.

Introduction

If you like collecting rewards on everyday purchases, Discover it Cash Back Card is ideal for you. The credit card features a great cashback scheme, and you will be earning rewards on your spending, among other benefits. It is especially popular among individuals who need to optimize savings with minimal fees.

One of the best benefits of the Discover it Cash Back Card is its 5% cashback on rotating categories. Discover updates new categories every three months in which you can earn 5% cashback. Some of these categories are gas stations, grocery stores, restaurants, Amazon, and numerous others. You will need to activate the categories for each quarter to earn this cashback, which is simple and free.

Another great benefit of this card is the Cashback Match. In the first year, Discover will double every dollar you’ve earned back. For example, if you get a $200 cashback in the initial year, Discover will match that, and you’ll be receiving $400. This feature brings it on top of the best cashback credit cards for fresh and ongoing users.

In total, the Discover It Cash Back Card is a smart choice for those looking for rewards and maintaining their costs minimum. With its best cashback offer, no annual fees, and a cashback match for one year, it is a good choice for those looking to spend less and gain more.

What is the Discover it Cash Back credit card?

The Discover it Cash Back Card is a popular rewards credit card that lets you earn cashback on your everyday purchases. It is renowned for its 5% cashback on quarterly categories, which change every three months. These include gas stations, grocery stores, restaurants, and online shopping. You also earn 1% unlimited cashback on all purchases other than these.

One of the best things about this card is Cashback Match, whereby Discover doubles each cashback that you earn during your first year. For example, if you earn $100 in cashback, Discover doubles it, and you will end up with a total of $200.

How is the design of the Discover it Cash Back credit card?

The Discover it Cash Back Card has a simple and sleek look. It is horizontal in design with a smooth and slick look. The card has a metallic finish, which gives it a luxurious look. You can have the card in different colors like blue, red, orange, and many more, and this makes you capable of choosing a style that you prefer.

One of the unique things about this card is that there is no visible card number on the front of it. It has a nice, sleek look while also having added security. Your card details are securely saved and can be accessed via the Discover app or through your online account.

What are the benefits of the Discover it Cash Back credit card?

Following are a few of its most notable benefits:

1. 5% Cashback on Rotating Categories

• You get 5% cashback on several categories of spending, which change quarterly.

• They may include grocery shopping, gas, eating out, Amazon, and much more.

• To earn this, you need to turn on the bonus categories each quarter.

2. 1% Unlimited Cashback on All Other Purchases

• All other purchases that do not fall under the 5% category will award you a cashback of 1%.

• There is no limit to how much cashback you can earn on daily purchases.

3. Cashback Match – Double Your Rewards in the First Year

• At the end of your first year, Discover automatically doubles all the cashback you have earned.

• If you earned $200 cashback, Discover will double it to $400.

4. No Annual Fee

• There is no annual fee on this card, so you don’t pay any additional money to use it.

5. 0% Intro APR for 15 Months

• You get a 0% APR on purchases and balance transfers for the first 15 months.

• This can help you save money in interest if you need to make big purchases or balance transfers from another card.

6. No Foreign Transaction Fees

• If you’re making purchases outside of the U.S., you won’t pay foreign fees.

7. Strong Security Features

• No card number to look at on the front for added security.

• Free Social Security number alerts to protect you from identity theft.

• Freeze or unfreeze your card in seconds in the Discover app.

What are the fees for the Discover it Cash Back credit card?

Here is a simple Discover it Cash Back card fee breakup.

Joining Fee	$0
Annual Fee	$0
Foreign Transaction Fee	$0 (No foreign transaction fees) – This is an excellent option for travelers abroad.
APR (Interest Rate)	0% Intro APR for 15 months on purchases and balance transfers. After the intro period, the regular APR is 17.24% to 28.24% (variable), depending on your credit score.
Cash Advance Fee	$10 or 5% of the amount withdrawn, whichever is greater. Interest on cash advances takes effect immediately with a higher APR.
Late Payment Fee	If you miss a payment, the APR may increase (up to 29.99% variable APR). Late payment fee: Up to $41

What are the criteria for getting a Discover it Cash Back credit card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Discover it Cash Back card.

2. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

3. Your credit score plays a role in the selection process. It is a tendency for Bank to favor borrowers with a better credit score usually above 750. 

4. You must be a U.S. Discoverzen resident and have valid address proof within the country. 

5. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

6. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Discover it Cash Back credit card?

The documents that you will have to submit to Get a Discover it Cash Back card are as below:

Identity Proof	Government ID (such as Driver’s License, State ID, or Passport). Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) (for verification purposes).
Address Proof	Present U.S. address (you need to be a resident of the U.S.). Lease agreement or utility bill (only if Discover requests proof of address).
Income Proof	Employer details (if employed). Estimated income annually (you may not have to show documentation, but Discover may verify). Bank statements or tax returns (asked sometimes if further verification is necessary).
Photograph	The latest passport-sized photograph

Where can the Discover it Cash Back credit card be used?

Here’s where you can utilize it:

1. In-Store Shopping

• Spend it at grocery stores, restaurants, gas stations, retail outlets, and malls.

• Accepted at big stores such as Walmart, Target, Best Buy, and Costco (Visa establishments only).

2. Online Shopping

• Accepted on sites like Amazon, eBay, Walmart, and Best Buy.

• Spend it on food delivery (Uber Eats, DoorDash), streaming services (Netflix, Spotify), and memberships.

3. Travel & Hotels

• Book airline tickets, hotels, and cars using Expedia, Booking.com, or airlines.

• Foreign transaction fee-free – excellent when you’re overseas.

4. Contactless & Mobile Payments

• Compilers with Apple Pay, Google Pay, and Samsung Pay to easily make tap-to-pay payments.

5. Cash Withdrawals (Cash Advance)

• ATMs offer withdrawals in cash but have large fees with interest and should not be recommended.

What is the credit limit of the Discover it Cash Back credit card?

The credit limit of the Discover it Cash Back card will be based on your income, financial history, and credit score. Discover has no one-size-fits-all limit, but most commonly:

• The minimum credit limit will be $500–$1,000 for regular approvals.

• Most of the users with excellent credit (700+) receive limits of $3,000–$10,000.

• If you possess a great credit rating (750+) and good earnings, you could be approved with a higher credit limit (above $15,000).

How do you apply for a Discover it Cash Back credit card?

You may apply for a Discover it Cash Back card in two modes: Online (on the Discover website) and Offline (by contacting Anaiscover Bank).

Online Application Procedure (Easy & Quick)

• Go to the official website of Discover.

• Find the Discover it Cash Back card under credit cards.

• You will be routed to the application form.

• Personal Information: Name, date of birth, Social Security Number (SSN), and phone numbers.

• Income Details: Your income value and job status each year.

• Current U.S. Address: Your present U.S. address.

• Process all information and approve.

• Discover will check your credit score and report before approval.

• You will get instant approval if you have excellent credit.

• If Discover requires checking more details, it will contact you in 7–10 business days.

• Your card will be delivered to your address in 7–10 business days if approved.

Offline Application Process (Visit a Discover Branch)

• Visit your local Discover Bank branch.

• Bring ID, proof of income, and SSN.

• Ask for a credit card application form.

• Give your financial and personal details.

• The bank representative will verify your documents and process your application.

• Discover will verify your credit score and accept or decline your application in a few days.

• Discover will mail your card if accepted.

Would getting a Discover it Cash Back credit card in 2025 be right?

Carrying a Discover it Cash Back Credit Card in 2025 can be a great choice if you want to earn rewards on your everyday spending. The card provides 5% cashback on rotating categories like grocery stores, gas stations, and online shopping, and 1% cashback on all other purchases. If you are a new cardholder, Discover will double all the cash back you earn in the first year, doubling your rewards.

The card does not charge an annual fee, so it is cost-effective. It also has a 0% intro APR for 15 months, which will be useful if you need to make a big purchase or balance transfer. It is also not charged with foreign transaction fees, so it’s perfect for travel.

Conclusion

Discover it Cash Back Credit Card is ideal for consumers who want to earn rewards on daily purchases without paying large fees. Its 5% cashback on rotating categories puts money in your pocket at the grocery store, the gas station, restaurants, and online shopping. You also get 1% unlimited cashback on all your other purchases, so every swipe pays you back. u also get 1% unlimited cashback on all your other purchases, so every swipe pays you back.

One of the biggest benefits of this card is the Cashback Match program, which doubles up on all the cashback you can earn during your first year. What it does is this: if you earn $200 in cashback, Discover will match that, and you’ll have $400—a one-time bonus you won’t see on most other cashback credit cards.

Another great advantage is the $0 annual fee, so it is a cost-effective option for people who want to enjoy rewards without extra charges. The 0% introductory APR for 15 months on purchases and balance transfers can also help you manage big expenses or consolidate existing debt without incurring hefty interest fees.

Frequently Asked Questions (FAQ’s)