Explore all the benefits of the Discover it® Cash Back Card, including Cashback Match, 5% rotating categories, $0 annual fee, and powerful security tools.
Luana Ribeiro · May 26, 2025 · 3 minutes
The Discover it® Cash Back Card gives you a rewarding experience from day one.
New cardholders enjoy the Unlimited Cashback Match — all the cash back you earn in the first 12 months will be matched by Discover at the end of the year. No sign-up bonus gimmicks. Just real cash back, doubled.
With this card, you earn 5% cash back in rotating categories such as grocery stores, restaurants, gas stations, and more.
Each quarter, you can activate new categories and earn the enhanced rate on up to $1,500 in purchases.
Everything else earns 1% unlimited cash back with no cap and no expiration.
Discover makes it easy to redeem your rewards.
Use them as statement credit, direct deposit, or even to pay with cash back at Amazon.com and with PayPal.
There’s no minimum redemption amount, and rewards never expire as long as your account is open.
You can also enjoy 0% intro APR for 15 months on purchases and balance transfers. After that, a variable APR of 18.24% to 27.24% applies.
The balance transfer intro fee is just 3% until August 10, 2025, then up to 5% on future transfers.
The $0 annual fee means you get all these perks without paying to carry the card.
That includes access to Discover’s customer service, which is 100% U.S.-based and highly rated for satisfaction.
Security benefits are included at no extra cost.
Get free Social Security Number alerts, the Freeze It® feature to instantly pause your card, and Online Privacy Protection to help remove your data from people-search websites. Activate these features directly from the Discover mobile app.
If you lose your card or want to prevent unauthorized transactions, Freeze It® allows you to instantly lock and unlock your account from your phone or desktop.
Eligible applicants can start spending immediately with a digital card, even before the physical card arrives in the mail — perfect for those who want to take advantage of rewards right away.
Discover is accepted by 99% of U.S.
merchants who accept credit cards, and the card can be customized with 25 unique designs — giving you visual personalization alongside practical benefits.
If you're seeking a flexible and secure card that grows with your spending, the Discover it® Cash Back is one of the most well-rounded choices on the market — delivering value, simplicity, and great support without hidden fees.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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