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Discover it® - Cashback Match

Editor's Choice: High-Paying Cash Back Card

 

Cash Back Rating:

Overall Rating:

(1,258 applications)
  • Up to An Incredible 10% Cash Back in First Year
  • 12 month 0% intro APR on Purchases and Balance Transfers
  • Highest Customer Satisfaction Rating (JD Power)

Cash Back Rating:

Overall Rating:


In a Nutshell:

Phenomenal choice for industry leading cash back: earn as much as 10% in major spending categories when Discover doubles your total cash back earned in the first year.

Ongoing APR
11.24% – 23.24% Variable

Features
Discover will total all the cash back earned during the first year, then double it.

0% intro APR on purchases and transfers for 12 months

Annual Fee
$0

Recommended Credit
Excellent/Good

Full Review

Make no mistake, the Discover it® - Cashback Match, one of our Editor’s Choice cash back cards, is all about earning more cash back. The card takes the major categories people spend money on, restaurants, department stores, gas, groceries and more, and rotates those categories through a 5% cash back calendar. That means that while each of those categories is "active", you'll earn the full 5% cash back on any spending you do in the category up to $1,500 in spending per quarter. You also earn 1% cash back on any other spending you do using the card, with no limits or caps.

During the first year, Discover will add up all the cash back you earn, then double it at the end of the year. That means that you'll earn an astounding 10% back on all the eligible category spending you do, and an industry leading 2% back on all other spending with no limits or restrictions.

Beyond the high cash back rates, the Discover provides some other features we found to be useful and unique. If you ever misplace your card, you can log in to your account through the app or online and turn your card off. If you find it later, you can simply turn it back on. This can be far more convenient than having to cancel it and order a new card. Discover has also created an integration with Amazon that we found to be convenient. At checkout, you can have the option of paying with your points rather than a card, which makes redeeming points feel more real, and very easy.

Beyond all the rewards and features, Discover users simply like the service (which is always live, and always staffed by a US customer service rep for anyone calling from the US). Discover received the highest customer satisfaction ratings of any credit card issuer from JD Power & Associates. 

Highlights

  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Fees and APR

  • No annual fee.
  • 0% Intro APR: 0% Introductory APR for 14 months on purchases and balance transfers, then Purchase APR.
  • Purchase 11.24% – 23.24% Variable, depending on creditworthiness.
  • Balance Transfer Fee: 3%

Apply on Discover's secure website

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

Card Details

Ongoing APR
11.24% – 23.24% Variable

Features
Discover will total all the cash back earned during the first year, then double it.

0% intro APR on purchases and transfers for 12 months

Annual Fee
$0

Recommended Credit
Excellent/Good