Discover it® Cash Back Credit Card – Full Review

The Discover it® Cash Back Credit Card is one of the most rewarding no-annual-fee cards on the market.
With a strong 5% rotating category program, Cashback Match for new users, and robust digital protections, it’s a top pick for everyday spenders who want meaningful returns and peace of mind.

Cashback Match is one of the card's most attractive perks.
Discover will automatically match all the cash back you’ve earned at the end of your first year — with no minimums and no maximum limits. If you earned $200, they’ll give you $200 more. Simple as that.

You’ll earn 5% cash back on everyday purchases at different places each quarter — like grocery stores, gas stations, restaurants, and online retailers — on up to $1,500 in purchases per quarter (when you activate).
All other purchases earn 1% unlimited cash back, and your rewards never expire.

There’s also a 0% intro APR for 15 months on purchases and balance transfers.
After the introductory period, a standard variable APR of 18.24% to 27.24% applies.
For balance transfers, there’s a 3% intro fee, and up to 5% on future transfers.

Security is a priority.
Discover offers free Social Security Number alerts, the Freeze It® feature to instantly pause your card, and Online Privacy Protection that helps you remove personal data from people-search sites — all through their mobile app, at no additional cost.

Need to use your card before it arrives? You can start spending instantly with a digital card, if eligible, right after approval.
This allows you to make purchases online or through mobile wallets while your physical card is on the way.

With 99% nationwide acceptance, you’ll have no trouble using your Discover it® Cash Back Card nearly everywhere credit cards are accepted in the U.S.
Plus, you can choose from 25 unique card designs when applying, allowing you to personalize your card’s appearance.

Customer satisfaction is high.
With a 4.7 average rating across over 33,000 reviews, cardholders praise the easy rewards, customer support, and simple redemption process.
Whether you're just starting out or adding a reliable cashback card to your wallet, this is a standout choice.

Bottom Line: If you’re looking for a versatile, fee-free card that rewards you with cashback and a generous first-year bonus, while offering peace of mind with strong security features, the Discover it® Cash Back Credit Card should be at the top of your list.