Discover it Cash Back Review

Earn 5% back in rotating categories and unlimited cashback match at the end of your first year.

The Discover it Cash Back Card is a popular choice for consumers who want flexible rewards and simple, transparent value. With rotating 5% cashback categories and no annual fee, it has become one of the most widely recommended cashback credit cards in the U.S.

One of its biggest draws is the unique Cashback Match feature: all the cashback earned during the first year is automatically doubled—making it perfect for those who spend smart and want to get the most from every purchase. From groceries to gas and dining, the Discover it Cash Back Card rewards everyday life.

Big Rewards in Everyday Moments – Discover it Cash Back

1. 5% Cashback in Rotating Categories

Cardholders can earn 5% cashback on up to $1,500 in purchases each quarter in select categories like grocery stores, gas stations, restaurants, and more. Categories change every three months. This rotation encourages diversified spending and allows users to maximize their rewards on seasonal and essential expenses.

2. Unlimited Cashback Match

At the end of the first year, Discover automatically matches all the cashback you’ve earned—no need to sign up or track anything. If you earn $300, they’ll match it with another $300. It’s a rare bonus that essentially doubles your rewards for 12 months and sets this card apart from the competition.

3. $0 Fraud Liability

If your card is lost or stolen, you’re not responsible for unauthorized purchases. Discover provides built-in protection to keep your money safe. This helps users shop with confidence, knowing they’re covered in case of suspicious activity or security breaches.

4. Freeze It Control

Through the Discover app, users can instantly freeze their account to block new purchases, cash advances, or balance transfers. This adds another layer of control and security. It’s an excellent feature for people who lose track of their card or want to limit spending in real time.

5. Free FICO Score Access

Cardholders can track their credit health for free with regular access to their FICO® Score through their online account or app. This promotes financial awareness and supports better long-term credit management without any extra cost.

6. No Late Fee on First Missed Payment

If you accidentally miss a payment, Discover won’t charge a late fee the first time. It’s a helpful safety net for users who are just starting to build credit. This shows that the card issuer is forgiving in small mistakes and supports financial growth, not punishment.

7. Cashback Never Expires

Your earned cashback won’t disappear. You can redeem rewards anytime, and they’ll never expire as long as your account is open. This gives users the flexibility to save up their rewards or use them right away, depending on their needs.

8. Redeem Rewards Your Way

Cashback can be redeemed as a statement credit, direct deposit, gift cards, or even used at checkout with select online retailers like Amazon. That flexibility makes the rewards program practical and highly user-friendly.

9. U.S.-Based Customer Service

Discover offers 24/7 customer service based entirely in the United States. Their support team is known for high satisfaction and fast resolutions. This reinforces a smoother experience when dealing with disputes, billing, or questions about your account.

Qualification Requirements

• Permanent U.S. Residency: Applicants must have a valid U.S. address and Social Security number to be considered.
  
• Minimum Age: Must be at least 18 years old (19 in some states) to apply for the card under U.S. law.
  
• Good Credit Score: Typically, applicants need a FICO Score of 670 or higher to qualify, although other factors may be reviewed.
  
• Stable Income: Verifiable income is required to ensure that applicants can meet monthly payments on time.
  
• No Major Recent Delinquencies: A clean payment history and no recent bankruptcies may improve your approval odds.
  
• Valid Bank Account: Having a checking or savings account may help with income verification and account setup.
  

How to Apply for the Discover it Cash Back

• Go to the Official Discover Website: Visit Discover.com and navigate to the Discover it Cash Back product page to begin the process.
  
• Prequalify Without Impacting Credit Score: Use Discover’s soft-check tool to see if you’re eligible—this won’t affect your credit report.
  
• Submit a Full Application: Provide your personal, financial, and employment details to complete the official application.
  
• Review Your Offer: If approved, you’ll receive your credit limit and terms—review everything before accepting.
  
• Accept and Finalize: Agree to the card terms and conditions to complete the account setup.
  
• Activate and Use: Once your account is active, you can begin using the virtual card for purchases immediately.
  

Frequently Asked Questions

1. How do I know which categories earn 5% cashback?
Discover releases a full cashback calendar every year. You’ll also receive notifications and reminders as each quarter begins.

2. Is there a limit to the Cashback Match?
No. Discover will match all cashback earned in the first year with no cap. Whatever you earn, they’ll double it.

3. Can I redeem cashback as a bank deposit?
Yes. Cashback can be redeemed as a direct deposit, statement credit, gift card, or for purchases at select retailers.

4. Does Discover report to credit bureaus?
Yes. Discover reports activity to all three major credit bureaus, which helps users build and maintain credit with responsible use.