It also pioneered America's first cash rewards program, which helps explain why more U.S. households have a Discover card than any other cash rewards card. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You can also download the Discover mobile app to keep track of your card and access the benefits and services. According to the issuer, 200 nominees will be randomly selected to receive $25,000. This is as simple as logging in and clicking “Activate” and you can do it months in advance, so be sure to do so. 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. If you are transferring a large balance, you may find the best option for you is to have a longer introductory period to give you more time to pay off the balance. DISCOVERY is more than a membership - it’s your window to the world. Credit Card Insider and CardRatings may receive a commission from card issuers. Credit Card Insider and CardRatings may receive a commission from card issuers. You'll But for that price you’ll be able to earn 6% cash back at U.S. supermarkets, making this one of the best credit cards for grocery shopping. No changing categories and no expiration on rewards. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. And after that first year you’ll only get the regular rate of 5% cash back on groceries, for a maximum of $75 cash back per year. your browser, We noticed that you're using an old version of your internet Contact us here. yes. Features of the Discover It Card. Yes, Discover is accepted at 99% of places that take credit cards. Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it ® cash back card. That makes this one of the most rewarding credit cards on the market, especially for no annual fee. See Cashback Bonus Program Terms and Conditions for more information about your rewards. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwallets. autocomplete results are available use up and down arrows to yes. 99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.7. Mhmm. Instead of offering rotating 5% cash back categories, this card gives you the ability to choose your 3% category each month. yes. You’ll have five different options for redeeming your cash back: As you can see you’ll have a few different options when you want to redeem your cash back. One of the best if not the best! DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Looking to max out your rewards in a category, but not sure if you’ll be able to spend enough in three months? Individual merchants and stand-alone stores within physical Wholesale club locations, or online, may not be eligible in this category. (The Discover it Cash Back’s 5% rate applies to the first $1,500 spent per quarter, then 1% is earned; activation required.). Content is accurate to the best of our knowledge when it's published. When Read this for help picking your first card and find out what to expect when you apply. Since this card has no annual fee that means you can earn quite a profit. If JavaScript is disabled, Discover is asking … It’s a great deal because it scales up to match however much you spend, and one you probably won’t find on any other card. Rewards are added to your Cashback Bonus account within two billing periods. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. The Discover it® Miles earns 1.5 miles for every dollar spent — pretty good for a card with a $0 annual fee, but low compared with travel cards that charge an annual fee. Discover is also quite forgiving when it comes to the penalty terms. … Discover has no foreign transaction fees on any of their cards, making them good options if you’re traveling outside the country. 2% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Along with some basic perks, Discover will also double all the rewards you earn in the first year — a pretty lucrative opportunity. This bonus can be increased to 25%–75% for Bank of America Preferred Rewards members, which requires having at least $20,000 in combined balances at Bank of America. You’ll also get 3% back on transit and at U.S. gas stations. Please Note: JavaScript is not enabled in your The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. Gas Stations affiliated with supermarkets and supercenters may not be eligible. One of the more interesting differences between these cards is that the Cash Rewards card will add a 10% bonus to your cash back if you redeem it into a Bank of America checking or savings account. The only difference to consider here is the reward structure, but that means these cards could actually be used together quite effectively. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. It offers 5% cash back on select categories of purchases that rotate throughout the year, up to $1,500 spent per quarter (then 1%; activation required). Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Discover it® Cash Back is an ideal cash back credit card for moderate spenders who don’t mind manually activating their 5% categories each quarter and who can commit to spending $1,500 in those categories every quarter. Apply today just keep an eye on the current 5 % cash back categories rotate quarterly, must …. Help picking your first card and access the benefits and services of Target.com are not eligible for %. Of offering rotating 5 % Cashback Bonus was accurate at the end of the best bits: Discover double! 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