Discover it Cash Back
By Alex Compton · Last verified
Cashback Match doubles everything you earn in year one.
Welcome Bonus
None
Unlimited dollar-for-dollar Cashback Match after the first 365 days for new cardholders; no purchase minimum
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
630+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | $0 | No recorded spend | Terms reconfirmedUnlimited Cashback Match after the first 365 days; no purchase minimum | Discover it Cash Back product page and offer terms → |
| 2026-01 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2020-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed unlimited first-year Cashback Match and recorded the current rotating-category, introductory APR and security terms.
Fields: currentOffer, offerHistory, benefits, lastVerified
Discover it Cash Back product page and offer terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xRotating quarterly categories ($1,500 cap)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Unlimited Cashback Match after the first 365 days for new cardholders
- ✦0% intro APR for 15 months on purchases and balance transfers; transfer fee applies
- ✦$0 fraud liability and card-lock controls
Why it earns its spot
- +10% effective rate on year-one categories
- +Great first card / credit builder
Where it costs you
- −Discover acceptance abroad is weak
- −Plain 1% outside categories
The Compound Verdict
Year one is the play: max every quarterly category and the Match doubles it. One of the best beginner cards ever made.
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