Benefits of Discover it Cash Back Credit Card

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on creditworthiness.
  • No annual fee.

Learn more about the benefits of this credit card:

Benefit from various security features for your data and card. Discover helps you regularly remove your personal information from ten popular people search sites that may sell your data. You can activate this feature for free using the Discover app. Additionally, rely on Social Security Alerts – Discover will notify you if your Social Security number is found on any Dark Web site. You can activate free social security number alerts. If your card is lost, freeze your account using our mobile app or website to prevent unauthorized purchases, cash advances, and balance transfers.

Discover offers card members $0 Fraud Liability.

Why do we recommend this payment method?

Earning cash back from your credit card is an effortless way to save money on everyday expenses, and the Discover it® Cash Back Credit Card is an ideal, low-risk option to start. Not only does it have no annual fee, but it also provides 5 percent cash back on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1 percent), as well as 1 percent cash back on all other purchases.

Combined with its minimal fees, the rewards potential could make the Discover it Cash Back a top choice if you value ongoing benefits. However, is it the right card for you? If you prefer to avoid the extra effort required to track and maximize rotating categories, quarterly spending limits, or if you find the additional perks beyond rewards to be limited, then another no annual fee credit card might better suit your needs.

Who can apply?

Eligibility criteria:

  • Must be a Canadian Citizen or Permanent Resident.
  • Must be of the age of majority in the province or territory of residence.
  • Must not have declared bankruptcy in the past 7 years.