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Discover it® Cash Back


Disclaimer: The information for the Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Discover it® Cash Back is a Personal Discover Network card with $0 annual fee.

Intro APR Intro Period as long as Regular APR
Purchases 0%14 months11.99% - 22.99% Variable
Balance Transfers 0%14 months11.99% - 22.99% Variable

    Rewards & Benefits

    Introductory Bonus Cash Back
    Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
    Cash Back Rewards
    1% cash back on all other purchases.
    Bonus Cash Back
    5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
    Limitations apply*. See issuer's website for additional program details.
    Bonus Categories for 2020:
    January - March 2020: Grocery Stores, Walgreens & CVS
    April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs
    July - September 2020: Restaurants & PayPal
    October - December 2020: Amazon.com, Walmart.com & Target.com

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    0% introductory APR for 14 months. After that, your APR will be 11.99% to 22.99% Variable based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for 14 months. After that, your APR will be 11.99% to 22.99% Variable based on your creditworthiness and other factors.

    Fees

  • Annual Fee
    $0 annual fee
  • Balance Transfer Transaction Fee
    3% of the amount of each transfer.
  • Cash Advance Transaction Fee
    Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee
    No foreign transaction fee
  • Late Payment Fee
    None the first time you pay late. After that, up to $39.
  • Returned Payment Fee
    Up to $39
 

Discover it® Cash Back

Chase Freedom

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 14 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 14 months0% introductory APR for 15 months
Purchase APR11.99% to 22.99% Variable based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APR11.99% to 22.99% Variable based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Introductory Bonus Cash BackDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers).Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Cash Back Rewards1% cash back on all other purchases.Unlimited 1% cash back on all other purchases.
Bonus Cash Back5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2020:
January - March 2020: Grocery Stores, Walgreens & CVS
April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs
July - September 2020: Restaurants & PayPal
October - December 2020: Amazon.com, Walmart.com & Target.com
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2019:
January - March 2019: Gas Stations, Drugstores, and Tolls
April - June 2019: Grocery Stores and Home Improvement Stores
July - September 2019: Gas Stations and Select Streaming Services
October - December 2019: Department Stores, PayPal and Chase Pay
Bonus Categories for 2020:
January - March 2020: Gas Stations, Select Streaming Services, and Internet, Cable & Phone Services

Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on April 1, 2020 from published websites and is believed to be accurate, but not guaranteed.

Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on November 25, 2019 from published websites and is believed to be accurate, but not guaranteed.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Discover it® Cash Back and Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover.


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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.