Discover It® Cash Back Card Review – 2x Cash Back Match Your First Year

The Discover it® Cash Back Card has been touted as one of the most rewarding cards available, offering up to 2x cash back match on purchases in the first year. This review aims to discuss how this card can benefit users, and what factors should be taken into consideration when deciding if it is the right choice for them.

Firstly, this article will examine some of the key features of the Discover it® Cash Back Card, such as its rewards structure and introductory offers. It will also consider how these benefits compare to similar credit cards from other providers. Secondly, this review will evaluate the customer service offered by Discover, including any additional services that are included with the card. Finally, an assessment of fees and charges associated with using this card will be made to help readers decide if they should opt for the Discover it® Cash Back Card or another provider.

Overview Of The Card

The Discover it® Cash Back Card is a rewards card that provides customers with two percent cash back on all purchases, up to $1,000 per quarter. Additionally, the card offers an introductory bonus of five percent cash back in rotating categories such as gas stations and restaurants for the first year. Other perks include free access to credit score monitoring and no foreign transaction fees. The annual fee associated with this card is zero dollars.

This card is best suited for individuals who regularly spend money in rotating categories or those who shop often at general stores. With its unlimited potential for earning points, it can be beneficial for people looking to maximize their return on spending. Furthermore, customers have access to exclusive discounts on travel services through Discover Deals program.

Eligibility Requirements

The discover it® cash back card is a great option for those who are looking to earn rewards with their spending. To be eligible for this offer, applicants must meet certain criteria before being approved. Applicants must have good or excellent credit history and should not already have the same product from Discover Bank.

Applicants must also be at least 18 years old, with a valid Social Security number, U.S. address, and phone number. In addition, applicants will need to provide information about income and employment status as well as other pertinent financial information in order for their application to be considered by Discover Bank. Approval of the card is based on an individual’s creditworthiness and may vary depending on each applicant’s unique situation.

Benefits And Rewards

The discover it® cash back card offers a generous rewards program, allowing users to earn 2% cash back on up to $1,500 in combined purchases made at gas stations and restaurants each quarter. Additionally, the user can receive 1% cash back on all other purchases. Furthermore, the cardholder is eligible for a Cash Back Match of their first year’s rewards which are automatically credited to their account during their second year as a cardmember. This bonus feature makes this an ideal choice for anyone who wants to maximize their rewards potential over time. The bonuses do not expire and there are no limits or caps when it comes to earning them. Cardmembers also have access to exclusive discounts from select retailers through Discover Deals. All these benefits make the discover it® cash back card an attractive option for those looking for a reliable way to accumulate reward points quickly and efficiently.

Fees And Interest Rates

In terms of fees and interest rates, the Discover it® Cash Back Card offers a variety of options to accommodate various spending habits. This card does not have an annual fee or foreign transaction fees, making it attractive for those who often travel abroad. Additionally, the introductory APR is 0% on purchases and balance transfers for 14 months. After that time period, there is a variable rate of 11.99%-22.99%.

This card also provides three different types of rewards: 1) 5% cash back in rotating categories; 2) 1% cash back on all other purchases; 3) Double cash back your first year up to $1,500 in combined purchases each quarter from bonus categories such as gas stations, grocery stores and restaurants. With these features available, this card has become one of the most popular choices among consumers seeking competitively priced credit cards with great reward programs.

The Discover it® Cash Back Card offers competitive rates and rewards which make it ideal for experienced users looking to maximize their return on everyday spending. Furthermore, its lack of an annual fee makes it suitable even for occasional users who may not be able to benefit from more comprehensive reward programs offered by other cards.

Security Features

The Discover it® Cash Back Card provides a number of security features to protect cardholders from fraudulent activity. Cardholders are protected by zero liability against unauthorized purchases, which means if their account is compromised or someone uses the card without authorization, they will not be liable for any of the charges. Additionally, all transactions made with the card are monitored 24/7 and customers can receive notifications when suspicious activity is detected. Furthermore, users have access to secure online banking services that provide real-time updates on their accounts as well as an integrated fraud alert system.

In addition, the Discover it® Cash Back Card also offers additional measures such as password protection and two-factor authentication via text message or email. These added layers of security help ensure that customer information remains safe and confidential at all times. With these security features in place, cardholders can rest assured knowing that their personal data is being kept secure while using this credit card.

Pros And Cons

The Discover it Cash Back Card offers many benefits and features, but there are also several drawbacks to consider. One major advantage of this card is the ability to earn 2% cash back on up to $1,500 in combined purchases each quarter in rotating categories that can be enrolled for online or through the mobile app. Additionally, users will receive a dollar-for-dollar match of all cash back earned at the end of their first year as a cardholder. This provides an excellent opportunity for individuals looking to maximize their rewards potential without having to keep track of complicated points systems.

On the other hand, one downside is that not every purchase category carries a bonus reward rate; therefore, earning maximum value from this card requires careful planning and monitoring of spending habits. In addition, although some fees such as late payments may be waived after 12 months of good standing with the bank, annual and foreign transaction fees still apply which could add up over time if used often enough.


The Discover it® Cash Back Card offers many benefits and rewards to cardholders. It is a competitively priced card that has no annual fee, and features an impressive 2x cash back match on all purchases made in the first year of membership. The eligibility requirements are straightforward, and the security features are some of the best available today.

While there may be higher interest rates associated with this particular credit card, these should not deter potential applicants from applying for this card due to its numerous advantages. In addition to earning generous amounts of cash back on every purchase, members can also take advantage of additional bonuses such as 0% introductory APR for 14 months on both balance transfers and new purchases. This allows them to save money on any balances they might have carried over from other cards or finance large upfront expenses without incurring substantial interest charges.

Overall, the Discover it® Cash Back Card is an excellent choice for anyone looking to maximize their earnings while enjoying a wide range of attractive rewards and benefits. With no annual fee, lucrative cash back opportunities, quality security features, and promotional financing options – this card provides users with one of the most comprehensive packages currently offered by a major credit card issuer.

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