Discover it® - Cash Match™ with 18 Month Balance Transfer Offer
- Up to 5% Cash Back
- Cash Back is matched at end of first 12 months
- Rotating Bonus Cash Back categories
- 0% Intro APR on balance transfers for first 18 months
- $0 Annual fee
- View Terms
Why We Like It
The Discover it® - Cashback Match™ is definitely one of our top Cash Back cards and a powerhouse rewards card.
Balance Transfer Offer: Use the "Apply Now" link above now and you'll get access to an exclusive Discover promotion - an incredibly generous 18 months of 0% intro APR on balance transfers. Plus, get 6 months of 0% intro APR on purchases.
Earn 5% Cash Back on two rotating categories every quarter and 1% cash back on everything else. Also earn up to 20% Cash Back through Discover Deals.
Past 5% Cash Back categories have included places like Amazon.com, gas, restaurants, home improvement stores and even department stores! Simply "activate" the bonus category each quarter and earn up to $1500 in purchases every quarter.
A huge sign-up bonus: the Cashback Match™ program from Discover will match all the cash back you earn at the end of your first 12 billing periods automatically, dollar for dollar. You don't have to do a thing!
That means you could turn $500 Cash Back into $1,000!
Now through June 30, 2017: 5% Cash Back Bonus at Home Improvement Stores and Wholesale Clubs, up to $1,500 in purchases when you activate
July 1 - September 31, 2017: 5% Cash Back Bonus at Restaurants, up to $1,500 in purchases when you activate
Get an introductory APR rate of 0% for 18 months on balance transfers and 0% for 6 months on purchases from the date of account opening
Cashback Match™ program will match all the cash back you earn at the end of your first 12 consecutive billing periods
We recommend you have Good to Excellent (690 - 850) credit before applying for this card.
When approved for the card, you'll be given a certain balance transfer limit (which may be less than your total credit limit) and can transfer up to that amount, including fees and interest, from any non-Discover credit cards, gas cards, or store cards.
This card also offers a 0% APR introductory period on purchases for the first 6 months from account opening.
The Cashback Match™ program is only for new cardmembers.
There is a balance transfer fee of 3%.
Additional benefits include:
- No Late Fee on your first missed payment
- No Overlimit Fee
- No Penalty APR: paying late won't raise your interest rate
- Free Monthly FICO Score: Updated based on data from TransUnion
- Fraud Protection
- 100% US-based Customer Service
|Intro Purchase APR||0% for 6 months on purchases from account opening|
|Intro Balance Transfer APR||0% for 18 months on balance transfers from account opening|
|Foreign Transaction Fee||0%|
|Rewards Rate||1% Cash Back on all purchases, 5% on Bonus Categories|
|Rewards Rate Details||Cash back rewards never expire. Your account will be credited with your Cashback Bonus balance if you decide to cancel your account or if you haven't used it within 18 months|
|Credit Needed||Good, Excellent|
Thoughts from Actual Users
"My go-to card. Very happy with this card. Use it for everything & pay balance each month. Rewards points go further on the gift cards I get because they are 20% off. Good security built in. Customer service has always been great." Janice M. of Richmond, VA
"Wonderful card with an excellent rewards program. I was able to transfer some higher interest credit debt to this card with a lower APR and have it paid off in 7 months. Also, the 5% cash back has been wonderful for my family. I use this card for groceries, gas and entertainment and i receive the 5% cash back which I can use in exchange for a statement credit or gift cards." Alescia D. of Honolulu, HI
"Universally accepted, the Discover It card has no annual fee, the lowest APR among its competitors and offers generous cash back rewards on all purchases plus 5% on selected categories each quarter. Free monthly FICO credit score is a welcome extra. The Discover It card has quickly become my go - to card for in store and online shopping - kudos to Discover!" John K. of Shrewsbury, NJ