Discover It® Cash Back Review

0% introductory APR for 15 months on purchases — In addition to the high cash back rate, this card also offers a very competitive 0% introductory APR offer. The go-to variable set applies after the end of the introductory phase. This can be a smart way to fund major purchases, or simply if you’re temporarily in a bind and want to avoid interest until 2023.

0% introductory APR for balance transfers –– The same length of 0% introductory APR for 15 months applies to balance transfers. The go-to variable set applies after the end of the introductory phase. If you have credit card debt, you can transfer it to that card to avoid interest charges for well over a year on that transferred balance. Plus, you can use the cashback you earn from the card to pay off previous debts.

Earn up to 5% cashback — Cardholders receive 5% cashback every quarter on everyday purchases at various locations such as, grocery stores, restaurants, gas stations, up to a quarterly maximum of $1,500 with purchases and activation. Category activation is easy: Discover emails you before each quarter and you just activate with one click. All other purchases receive 1% cashback.

Unlimited cashback match signup bonus — This is my favorite perk of the card, and one that is unique and very valuable. Discover automatically reconciles all of the cashback you’ve earned at the end of your first year for new cardholders, which can result in a truly incredible amount of cashback in your pocket.

$0 annual fee — Credit cards with valuable features tend to charge a hefty annual fee, but not this card. Discover It® Cash Back Review

Charles Jones

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