Discover it® Business Card review

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Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
0% Intro APR for 12 months on purchases
Regular APR:
12.99% to 20.99% Variable
Terms and Restrictions Apply

Bankrate Rating

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our business category page.

This page includes information about Discover products that are not currently available on and may be out of date.

Who doesn’t love earning unlimited cash back on purchases?

With this addition to Discover’s credit card lineup, cardholders can earn 1.5 percent cash back on every purchase – no earning cap, no expiration for rewards. The Discover it® Business Card has no annual fee, no foreign transactions fees and a flat rate rewards system– making it a great low-maintenance business credit card.

Although tiered category credit cards offer higher rewards rates, the unlimited earning potential of the Discover it® Business can mean more cash back depending on your business’ budget. Plus, the flat rate rewards system is an attractive option for those less willing to juggle purchase categories.

Best of all, Discover offers Cashback Match™ across almost all of their cards, meaning your cash back rewards are matched dollar for dollar by Discover as a bonus at the end of the first year.

Worthy addition to your wallet?

The Discover it® Business Card can help almost any business owner maximize rewards, but it comes with a few drawbacks to consider.

Small businesses can use this card as a simple way to earn rewards without having to “play the points and miles game.” If your business has a large budget, pair this card with a tiered category cash back card, such as the Ink Business Cash Credit Card, to use on expenses after hitting the yearly cap for higher rewards rates. Even freelancers and side hustlers can use this card to earn cash back without having to pay high annual fees.

As for the downsides to the card – most notably is its lack of an introductory bonus. Similar cash back credit cards typically offer a cash bonus for spending over a certain threshold within a specified time frame. The Cashback Match™ offered at the end of the first year can outweigh the loss of a bonus (keep in mind that you won’t get the cash back match until after one year of card ownership).

Another possible dealbreaker: Discover’s perks portfolio took a major hit with the termination of Discover Deals, auto rental insurance, flight accident coverage and more. If these particular perks are important to you, another cash back card might offer more long-term value.


  • Earn unlimited 1.5 percent cash back for every dollar spent.
  • No annual fee or foreign transaction fees save you cash in the long run
  • see terms for intro APR on purchases for the first 12 months then see terms variable APR thereafter.
  • Discover will match the cash-back rewards you earn after your first year of card ownership.


  • There is no sign-up bonus with this card.
  • This card offers no real travel perks for those who travel frequently for business.
  • Many of Discover’s perks (including Discover Deals, which used to be a huge draw to their rewards system) have been cut.

Hands down, the greatest benefit to this card is the Cashback Match™ offer, which Discover offers across most of their cards. If you spend $4,000 each month on business expenses, you’ll receive $720 in cash back each year. Discover will match that at the end of your first year of card usage, meaning you’ll receive $1,440 total in cash-back rewards.

If your business has a large budget, you’ll benefit most from using this card as a supplement to other business cards to maximize your earning potential.

How this card compares

Discover it® Business vs. Capital One® Spark® Cash for Business (not currently available)*

The Capital One® Spark® Cash for Business is considered one of the best business rewards credit cards available, offering a flat 2 percent cash back on all purchases. The Discover it® Business gives it a run for its money, but the higher rewards rate from the Spark Cash for Business could make it a more valuable card for your wallet. While there is a $95 annual fee (waived the first year), $19,000 in spend each year covers the cost of the card.

The other possible deal breaker of the Spark Cash for Business is that it doesn’t come with an introductory 0% APR offer. If you have large purchases coming up that you want to pay off without interest, the Discover it® Business is going to be your better option.

Read Bankrate’s Capital One Spark Cash for Business Review.

How to get the most value out of this card

The Discover it® Business is a straightforward cash back card. You don’t have to manage multiple rewards categories or worry about caps on how much you can earn. However, truly maximizing the value of the card comes from pairing it with another. It takes more credit card expertise to dig into spending categories and the travel rewards game, but the benefits your business can reap are worth the extra effort.

No one is ever going to label the Discover it® Business as a luxury business card that can fit every business owner’s needs, but it has the potential to be a great addition to your wallet.

Whether you’re looking for an easy way to organize business expenses while earning cash back or wanting to maximize business purchase rewards, you should consider adding this card to your wallet. It can add value without hindering users with hefty annual fees or a complicated rewards earning system.


*The information about the Discover it® Business Card and Capital One Spark Cash for Business has been collected independently by The card details have not been reviewed or approved by the card issuer.