Apply online for Discover it®-New! Double Cash Back your first year
About Our Ratings
Credit Needed

Top Features

Cashback on Gas
See terms
Cashback on groceries
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Cashback on other
5% cash back in categories that change each quarter like department stores, Amazon.com and more?up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
Purchase APR
10.99% - 22.99% Variable*

Full Review

Curtis Arnold Editor-in-chief
Discover it® brings back the same kind of feeling that early customers had when Discover invented the cash back credit card in the 1980s. Times have changed, and everyone from major banks to neighborhood credit unions now offers rewards. That's why Discover has returned to their roots, refreshing a classic product with a commitment to customer experience that may cause competitors to start playing catch-up all over again.

How Discover it®-New! Double Cash Back your first year aims to redefine credit card customer service
A recent Bain & Company survey identified that many Americans make their banking decisions based on "moments of truth" instead of just prices. Researchers found that consumers often say they want the biggest rebates and the cheapest prices, but that they actually decide to stay loyal to a bank based on what happens when they need a card replaced or a transaction reversed.

Discover aims to capture that loyalty by access to live, American-based agents and by empowering those customer service professionals to resolve problems quickly. Agents can process same-day payments as late as midnight on the east coast, assuring customers who worry about forgetting to send a check. They can waive the late fee for your first missed payment, and they'll even help you work out a lower APR or a lower minimum payment if you lose your job.

Best card for no-hassle service and solid rewards
Because many of us don't like to think about potential calamities, the Discover it®'s reward program offers plenty of good news. Instead of a tiered structure with spending thresholds and other limitations, Discover it® provides a simple, 1 percent cash back on your purchases. It also shares quarterly bonus offers with other Discover it® cards, meaning that you can still get up to 5 percent cash back, subject to maximum quarterly spend, on eligible purchases in specialty categories when you enroll each quarter for the 5 percent categories. Now, thanks to an exclusive offer, new Discover cardholders who apply now can double all the cash back they've earned at the end of their first year with the card.

Discover makes it easy to redeem your rewards as well. Instead of tracking a convoluted points system, you can use Discover's website to watch your CashBack Bonus balance grow. Discover's online shopping portal offers up to 20 percent back from participating merchants. A partnership with Amazon.com means you can redeem your rewards at anytime, for just about any kind of product.

How Discover it® compares to other cash back credit cards
Discover it® doesn't offer the biggest set of rebates on the market, but it remains one of the country's most accessible cash back credit cards with no annual fee. By comparison, American Express, a CardRatings.com advertiser, offers a number of cash back cards with cash back rewards that range between 2 and 5 percent (terms, limitations and restrictions apply). Like Discover, American Express earns significant praise for its customer service operations. American Express usually restricts its cash back cards to applicants with excellent credit. If you're the kind of customer who's worried about catching a payment before it's late, those cards may be out of reach.

This card also requires excellent credit however it more closely resembles the Chase Freedom card. Like Discover, Chase offers rotating, quarterly bonus categories. Although Discover has no foreign transaction fees on purchases made outside of the U.S. on the Discover it®, Capital One cards, for example, enjoy a slight edge in parts of the world where Visa and MasterCard have built larger merchant networks.

This card compared to other cash back cards

Cashback on Gas
See terms
See Terms
Up to 3%
Cashback on Groceries
See terms
See Terms
Up to 2% at grocery stores
Cashback on other
5% cash back in categories that change each quarter like department stores, Amazon.com and more?up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
See Terms
Purchase APR
10.99% - 22.99% Variable*
12.99% - 22.99%* (Variable) 
12.99% - 22.99% Variable 
This card is best for consumers who want to earn cash back with no annual fee and are looking for a low introductory rate on purchases and balance transfers.

Should you switch to Discover it®-New! Double Cash
Back your first year?

A lengthy introductory zero APR balance transfer offer with a competitive processing fee makes Discover it® an attractive option if you want to consolidate debt. However, it's more likely that you'll want to just start your Discover it® with a clean slate, so you can maximize your rewards. Like other rewards credit cards, Discover it carries a middle-of-the-pack APR that's not suited to carrying a balance beyond the zero interest teaser period. Even if you're holding a cash back card with a bigger reward rate, Discover it's customer service could be enough to lure you away.
CardRatings.com Editorial Staff

Discover it®-New! Double Cash Back your first year details

Balance Transfer Intro APR
0% Intro APR on balance transfers
Balance Transfer Intro Period
18 months
Purchase Intro
0% Intro APR on purchases
6 months
Purchase APR
10.99% - 22.99% Variable* 
Annual Fee

What Discover says about this card

  • New! We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $100 cash back, we'll double it to $200--Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like department stores, Amazon.com and more--up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Credit Needed:
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed: