Discover it Cash Back Credit Card
No annual fee. Purchase APR 17.74–26.74%, variable.
- Annual fee
- Issuer's pagediscover.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagediscover.com
“0% intro APR for 15 months on purchases and balance transfers; 17.74% to 26.74% variable APR after that; Balance Transfer Fee applies”
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
- Lower top APR than about 50% of the 579 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Rates and fees
| Annual fee | Issuer's pagediscover.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagediscover.com “0% intro APR for 15 months on purchases and balance transfers; 17.74% to 26.74% variable APR after that; Balance Transfer Fee applies” |
| Intro APR | Issuer's pagediscover.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pagediscover.com “0% intro APR for 15 months on purchases and balance transfers; 17.49% to 26.49% variable APR after that; Balance Transfer Fee applies” |
Carrying a balance? See how long it takes to pay off
Benefits
- $0 Fraud Liability for unauthorized purchases, subject to investigation and verification.
- Card Lock is available in the mobile app if the card is misplaced, lost, or stolen.
- Free Social Security number alerts through CreditWise when a Social Security number is found on the dark web; enrollment and eligibility requirements apply.
- Discover is accepted at 99% of places that take credit cards nationwide.
- Cardholders can choose from a gallery of colorful card designs.
- Other
Questions
- What is the annual fee?
- No annual fee discover.com, since Oct 8, 2026
- What is the purchase APR?
- 17.74–26.74% APR discover.com, since Sep 30, 2026
- Is there an intro APR?
- 0% for 15 months. discover.com, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).