Discover it Cash Back
The best first-year cashback deal in the industry thanks to Cashback Match. Great starter card.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 18.24%–27.24%
FairPrice score: 82/100
Rewards
5% rotating categories + 1% on everything else
Perks
- Cashback Match doubles year-1 rewards
- No annual fee
- No foreign transaction fees
- Free FICO score
Pros
- Cashback Match effectively doubles first-year earnings
- No annual or foreign transaction fees
- Accepts fair credit
Cons
- Discover has thinner international acceptance
- Categories require activation
- 5% cap $1,500/quarter
Best for
- first credit card
- cashback
- no annual fee
Official source · Last verified 2026-10-04