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Discover it® Cash Back
Discover it® Cash Back
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from account opening Intro Purchase APR
At a Glance
The Discover It Cash Back Card is a cash back credit card that offers enhanced earning potential in a selection of rotating categories. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, Discover’s bonus cash back match, and no annual fee or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
- Earn 1% cash back on all other purchases automatically
- Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
- Cash back rewards never expire, earn unlimited cash back
- Use rewards at Amazon checkout
- No annual fee
- Intro Purchase APR: 0% for 18 months from account opening
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back on select category purchases each quarter, including restaurants, gas stations, select rideshares, and online shopping
- You don’t want to pay an annual fee or foreign transaction fees
- You want 100% U.S.-based customer service
- You don’t mind rotating categories changing every three months
Discover it® Miles
Discover it® Miles
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from date of account opening Intro Purchase APR
At a Glance
The Discover It Miles Card is a straightforward travel card designed for those who want an easy way to earn miles. The card earns a flat-rate 1.5 miles per dollar spent on purchases, with Discover matching the total number of miles earned for the first year. The card also comes with 0% intro APR for 14 months on purchases, no annual fee, and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5x Miles for every dollar spent on all purchases
- Automatic cashback match your first year
- Redeem your Miles as a statement credit with no blackout dates
- Earnings never expire
- Intro Purchase APR: 0% for 15 months from date of account opening
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You plan to use this card to book travel frequently
- You don’t expect to use the card outside of the United States
- You want to double your miles after the first year automatically
- You don’t want to pay an annual fee
Discover it® Chrome Gas & Restaurants
Discover it® Chrome Gas & Restaurants
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from date of account opening Intro Purchase APR
At a Glance
The Discover It Chrome Gas & Restaurants Card is a simple cash back credit card that offers improved savings on fill-ups and chow downs. The card earns 2% cash back on purchases at gas station and restaurant purchases and 1% back on everything else. Discover also matches the total amount of cash back earned after the first year, meaning cardholders get double their money back automatically. The card also features 0% intro APR on balance transfers and purchases for the first 15 months and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Discover will match all cash back earned by the cardholder at the end of their first year of card use; there is no limit to the amount of cash back that will be matched
- Cash back rewards never expire
- Get a free Credit Scorecard with your FICO® Credit Score
- No annual fee
- Intro Purchase APR: 0% for 15 months from date of account opening
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 2% back on gas and restaurant purchases all year
- You don’t want to pay an annual fee
- You want to take advantage of Cashback Match – only from Discover
- You prefer a card with no foreign transaction fees
- You want 0% intro APR on purchases and balance transfers for 15 months
NHL® Discover it®
NHL® Discover it®
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from date of account opening date Intro Purchase APR
At a Glance
The NHL Discover It is a cash back credit card that offers enhanced earning potential in a selection of rotating categories, but with an NHL touch. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, and no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases
- Discover automatically matches all the cash back you've earned at the end of your first year—only for new cardmembers
- View your FICO® score for free on monthly statements, mobile, and online
- Choose your team, show your pride - all 31 team logos are available as card art
- No annual fee
- Intro Purchase APR: 0% for 18 months from date of account opening date
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of transfers that post at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back on select categories each quarter, including restaurants, gas stations, select rideshares, and online shopping.
- You don’t want to pay an annual fee or foreign transaction fees
- You want to support your favorite NHL team
- You want a card where Discover will match all the cash they earn for the first year
Discover it® Secured
Discover it® Secured
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Discover it® Secured card is ideal for cardholders hoping to build or rebuild their credit. Responsible use will not only raise their credit score, but it will also earn them 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases
- Discover automatically matches all the cash back you've earned at the end of your first year
- Easily view your FICO® Credit Score on monthly statements, mobile and online for free
- Automatic account reviews begin after 7 months of use to see if cardholders can transition to an unsecured line of credit and have their deposit returned
- No annual fee
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers that post by November 10, 2023
- Balance Transfer APR: 28.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount for each transfer that posts at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $200
- You want to build or rebuild your credit with Discover
- You want 2% cash back at gas stations and restaurants
- You don’t think you should pay an annual fee to boost your credit score
You've viewed 5 of 10 credit cards
What Is the Discover Payment Network?
Most people know Discover for their exceptional customer service and as a leading credit card issuer. After all, Discover credit cards are some of the most popular rewards cards in the industry. Most Discover credit cards are issued by Discover itself, much in the same way that Amex issues its own credit and charge cards.
What many may not realize, however, is that Discover is both a card issuer and a payment network. Like Mastercard, American Express and Visa, Discover has an association of member banks. As a payment network, Discover facilitates transactions between merchants and card issuers. And since Discover itself is a card issuer, it essentially plays a dual role when consumers complete purchases.
Discover also acts as the payment network for several other credit cards, including a variety of retail cards from banks like Comenity. Discover is the fourth largest payment network in size, trailing Visa, Mastercard, and American Express. There are currently over 16 million cards with the payment network in circulation.
Non-Discover Cards That Feature the Discover Payment Network
There aren’t many cards that use the Discover network outside of the bank’s proprietary cards. The two most noteworthy examples of other banks issuing Discover Cards are two retail cards from Comenity – one of the largest issuers of store credit cards. These cards are the True Value Discover® and the Home & Garden Showplace Discover®. Neither of these cards are currently available to new applicants.
Other Discover Partners
Beyond Comenity Bank, Discover also has other global partners in their Discover network. These relationships help to increase the global acceptance of Discover – something with which the firm formerly struggled.
The most significant partner for the Discover network is Diners Club International. Diners Club is one of the originators of the credit card and formerly issued lucrative cards under its own banner. Discover acquired the Diners Club name in 2008 and has used it to further its global reach. Today, the extensive Diners Club International network greatly extends the usage of the Discover network into Europe, Asia, and other areas.
Other global partners include:
- BC Card – South Korea
- RuPay – India
- Troy – Turkey
- Verve – Nigeria
All told, Discover has a growing network of global acceptance. Still, some merchants do not accept Discover. Fortunately, Discover offers an acceptance page where you can see if a retailer or country accepts discover.
New Discover cards usually takes about 7-10 days for you to receive.
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