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Discover It Card

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Discover It Card

Bankrate's 2013 Credit Card Cash-Back Rewards Survey included the Discover It Card.

With the Discover It Card, rewards can be redeemed via direct deposit or statement credit.

Discover It Card

Annual fee$0
Intro bonusNone
Reward formulaGet 5% cash back in categories that change throughout the year, up to the quarterly maximum. Get unlimited 1% cash back on all other purchases.
Cash-back ratio*1% (5% on rotating quarterly categories)
Expiration period on rewardsNone
Intro purchase APR0%
Intro purchase APR length14 months
  • Each quarterly 5 percent program has a cap on category purchases and you must sign up for each program. The amount of the cap may change. Five percent category purchases more than the quarterly cap, and all other purchases, earn a full 1 percent cash back.
  • Redeem as direct deposit (any bank) or statement credit. Minimum redemption is $50, and then in $50 increments after that.

*The cash-back ratio lists the rate or rate of returns offered on transactions. examined 54 cash-back cards from 21 of the largest issuers. The survey was conducted April 8-18, 2013. Rewards are subject to change. Check with the institution for the latest information.



Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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