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Our Detailed Review of This Card

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The card is one of our favorite cash back cards because it not only offers the opportunity to earn significant cash back rewards, but it also has a N/A% intro APR on purchases and balance transfers for the first 14 months of card ownership. On top of that, the card has no annual fee, and Discover is ranked as the top credit card issuer for customer satisfaction, according to J.D. Power’s 2019 credit card satisfaction study. The best part is the card is available to those with average to excellent credit, which is usually a credit score of 670 or higher.

‘s rewards start with N/A cash back within select categories each quarter you activate (up to the quarterly maximum, currently $1,500, then N/A back) and a standard N/A cash back on all other purchases. Categories for 2020 include purchases made at grocery stores, Walgreens and CVS from January through March; gas stations, Uber, Lyft and wholesale clubs from April through June; restaurants and PayPal from July through September; as well as, and from October through December. You do need to sign up for the N/A back each quarter, but Discover offers free automatic reminder emails (just make sure to register for them via your online account) to help keep you on track.

In addition, cardholders will earn double the cash back they’ve earned in their first year of card ownership — that’s a big deal! You will literally get 2X the cash back you earned in the first year. That means if you earn $250 in your first year, Discover will match that $250 to give you a total of $500 back. If you do the math, it’s like getting 10% cash back on rotating categories (up to the quarterly maximum) the first year you have the card!

also has a 14-month 0% intro APR on purchases and balance transfers (then the rate is N/A). You’ll pay a N/A, but we feel this fee is worth paying when you consider how long the 0% intro APR is and how much your current credit card’s interest rate is. Not completely sure if is right for your balance transfer? We’ve compared it to a straightforward balance transfer card to help you decide.

On top of that, you’ll also receive a free TransUnion FICO® Score on your monthly statement, which can help you keep track of your credit over time. While it’s better to check all 3 of your credit scores (TransUnion, Equifax and Experian), one score is better than none, as it’ll at least give you a peek into your credit health. As if all of that isn’t enough, has no penalty APR, which means paying late won’t increase your APR, and there’s no late fee for your first late payment. The card also has no annual fee and no foreign transaction fees, which means it’s a great card to take overseas.

Additionally, Discover offers cardholders a number of added protections. Kicking things off is Discover Freeze It®, which allows users to temporarily block their account from their smartphone or computer if their card is misplaced. If you’re able to locate your card, you can easily “unfreeze” it via your smartphone or computer. Freezing the account prevents new purchases, cash advances and balance transfers from occurring. Next, Discover provides cardholders with free identity theft protection alerts (note that this feature requires activation), helping them protect themselves from identity theft and fraud. The protection monitors dangerous websites for personal information and guards against any new accounts (credit card, mortgage, etc) being opened in your name. If any of these things happen you will receive an alert via email and/or text from Discover.

Overall, is a smart pick for anyone with average to excellent credit who wants to combine generous cash back rewards with a long intro APR on purchases and balance transfers.


  • Discover will automatically double all the cash back you’ve earned at the end of your first year. This offer is only for new card members.
  • Earn N/A cash back in rotating categories each quarter up to the quarterly maximum (currently $1,500) each time you activate.
  • Earn N/A cash back on all other purchases, with no limit on how much you can earn.

Redeem Rewards

  • Rewards are redeemable in any amount at any time.
  • Deposit into your bank account or credit your Discover card account.
  • Pay for your purchases with cash back rewards. $1 cash back = $1 at checkout.
  • Turn your cash rewards into more when you redeem with Apple Pay or for gift cards or eCertificates from over 100 brand-name Partners.

Fees and APR

  • Annual Fee: N/A
  • Foreign Transaction Fee: N/A.
  • Purchase APR: N/A, then N/A, depending on creditworthiness.
  • Balance Transfer APR: N/A, then N/A, depending on creditworthiness.
  • Balance Transfer Fee: N/A.

This card currently does not have any offers associated with it.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.