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

Top Features

Cashback on Gas
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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
With a fresh look and a focus on customer service, the Discover it® card-New! Double Cash Back your first year aims to win back the cash back credit card category that the original Discover card invented in the 1980s. With no annual fee, no foreign transaction fee, and amnesty for many of the situations that cause most banks to hike their rates and fees, Discover it® card has the potential to set a new standard for American rewards credit cards.

Discover it® card offers easy redemption of cash back rewards
Previous versions of the Discover card featured a perplexing reward structure, often stacking tiered rebates based on annual or quarterly spending. Most card promotions highlighted 5 percent cash back on featured categories, but with spending caps that limited their value. Early cardholders had to wait to request an annual CashBack Bonus rebate in the form of a check or a statement credit, leaving little room for spontaneous rewards.

Today's Discover it® card eliminates most of those hassles and hangups, in favor of a simple, streamlined path to rewards. As a cardholder, you'll earn a predictable 1 percent cash back on all of your purchases. And each quarter you sign up you can earn cash back in quarterly promotion categories which still carry spending caps, however you won't need to wait long to redeem your cash. Amazon.com now lets cardholders redeem CashBack Bonus credit for purchases, and Discover's website lets you request immediate statement credits. And now, only for new cardmembers*, new Discover cardholders can double all the cash back they've earned at the end of their first year with the card.

Best cash back card for consumers concerned about finances
As part of Discover it®'s launch campaign, you've probably seen a series of ads featuring cardholders talking to their doppelgängers at one of Discover's call centers. The company wants to tell the story that you'll talk to someone who'll treat you the way you'd want to be treated.

Exclusively based in the United States, Discover's call center agents have been empowered to waive your first late payment service charge, to expedite emergency card replacements, and to process same-day payments up until midnight Eastern time. Agents even have the authority to work out an adjusted repayment schedule if you lose your job and can't make your current minimum payment. It's an honest, refreshing approach to customer service that reflects today's economic realities for many families.

Discover's American support centers don't just handle questions about missed payments and lost cards. They also form the backbone of an identity theft detection and resolution system that has earned Discover top marks from some of the industry's toughest critics. According to experts at Javelin Strategy & Research, Discover excels at detecting potential fraud and proactively resolving problems with cardholders and merchants. Likewise, the International Quality & Productivity Center has cited Discover's agents for acting in their customers' best interests, even when industry practices might dictate otherwise.

How Discover it® card compares to other cash back credit cards
The Discover it® card offers a nearly identical reward structure to that of its closest competitor, the Chase Freedom card. However, with no annual fee and a complementary set of rotating bonus categories when you sign up each quarter, bargain hunters can maximize their 5 percent rewards on both cards with just a little extra strategic planning.

On the other hand, if you don't often make the kinds of purchases that qualify for bonus rewards, you could get consistently higher cash back from one of Discover it® card-New! Double Cash Back your first year's other rivals.

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® card-New! Double Cash Back your first year?
Discover it® card's APR range and introductory offers mostly mirror those of other cash back credit cards, knocking out many of the reasons you might be tempted to switch. However, if you're the kind of person who prefers to ask questions about your account over the phone, you'll love Discover's white-glove approach to customer support. While this card doesn't offer the biggest cash back percentage on the market, it's a serious contender to become your preferred credit card for everyday purchases.
CardRatings.com Editorial Staff

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

Balance Transfer Intro APR
0% Intro APR on balance transfers
Balance Transfer Intro Period
12 months
Balance Transfer Fee
Purchase Intro
0% Intro APR on purchases
12 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 purchases & balance transfers for 12 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.

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

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    Dana ( Mar 4, 2014 at 11:13 am)

    This card is amazing. All the other CC's harass my mailbox daily, but then offer me a credit limit $3000 less than Discover did. How is that even possible? I love the free FICO score checker I can use when I log in too. The other day they emailed me a $5 starbucks card for being a member. It really seems like they're kissing my ass but I don't care I love this card!

  2. Overall Ratings:
    Reward Program:
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    joe ( Jan 6, 2014 at 9:30 am)

    card has many "NO"s but beware. If you're not planning on carrying a balance, you should find most of those things useless anyways. International fee is ZERO. rewards are at least 1% cashback but gifft card redemptions bumps the reward $$ to a higher percentage (redeem at 10% disc or 6% disc). Rotating categories are also helpful. effectively raising rewards rate on discount stores (walmart, target) to above 1% CON: no solid CB on supermarkets (gocery stores) gas only rotating. discover is not as accepted as Visa and MC, but sams club take them.

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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: