Several years ago, the Discover Card unified all of its products under the “Discover it” brand, which is essentially a platform for all of its cards. These cards share many of the same features and benefits including no annual fee, no foreign transaction fees and no penalty fee on your first late payment.
Discover it cards offer cash-back rewards, and all cards are eligible to receive the Cashback Match at the end of your first year. Other benefits include access to your free Credit Scorecard with your FICO® Credit Score, as well as a suite of tools to help prevent fraud and identity theft.
You can use your Discover card to receive cash at checkout from a number of major retailers, without incurring cash advance fees or paying a higher interest rate. On the other hand, the Discover card no longer offers many benefits that you might be accustomed to receiving from your credit card, such as rental car insurance, purchase protection and extended warranty coverage.
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
The Discover it® Cash Back credit card is a good (but not great) cash-back card. Its customer service and first-year cash-back match stand out as its best features. The 1% ongoing cash-back rewards, however, make it a second-tier rewards card.
Earn Unlimited 2x miles on every purchase, every day. Earn Unlimited 2x miles on every purchase, every day
15.74% - 26.74% Variable APR *Rates as of December 15, 2022
18.24% - 28.24% (Variable)
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Blue Cash Preferred® Card from American Express
Partner Offer
On American Express's Website
$0 intro annual fee for the first year, then $95
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Is The Discover it Cash Back Card For You?
If you’re looking for a no-annual-fee rewards card that can earn high rewards in certain areas of spending, the Discover it® Cash Back card could be an option. But this is a card best paired with one that earns higher rewards than 1% on all your spending outside of the quarterly bonus categories.
To view rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Info
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual fee
$0
Intro offer
Cashback Match™
InfoHover for more
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Info
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Regular APR
15.74% - 26.74% Variable APR *Rates as of December 15, 2022
Recommended Credit Score
Good to Excellent (670 – 850)
InfoHover for more
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.