Get 0% Intro APR and up to 5% Cash Back With This Card

Published on Dec. 18, 2025

James McClenathen

By: James McClenathen

Editorial Strategist

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

December can be an expensive month, between travel, presents, extra groceries, and more. If you're paying with a credit card, then it can get a whole lot more expensive as interest charges pile up.

But there's a card that could take a lot of weight off your shoulders this December -- if you can be disciplined in 2026.

Here's why the Discover it® Cash Back card is a great choice for people who could use some help covering their expenses right now.

Introductory APR

The Discover it® Cash Back card comes with 0% intro APR for 15 months on both purchases and balance transfers (after that, a 17.74% - 26.74% Variable APR *Rates as of December 15, 2025 applies). There's a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

So if you want some time to pay off your expenses with zero interest, the Discover it® Cash Back card can help.

5% cash back on Amazon until Dec. 31

The Discover it® Cash Back card has rotating bonus categories. You earn 5% cash back on up to $1,500 spent in the bonus category each quarter (activation required). Right now, you can earn 5% cash back on Amazon and drug store purchases -- perfect for last-minute Christmas shopping.

On Jan. 1, 2026, the rotating category will change to grocery stores, wholesale clubs, and select streaming services. That's a top-tier rate for grocery rewards.

All purchases in other categories, or above the quarterly spending cap, earn 1% cash back.

Discover it® Cash Back

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Discover it® Cash Back
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

17.74% - 26.74% Variable APR *Rates as of December 15, 2025

Rewards Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Discover will match all the cash back you’ve earned at the end of your first year.

  • We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories each quarter (when you activate them, up to the quarterly maximum) and 1% on other purchases.

    Read Full Review
    • Rotating bonus categories
    • Welcome bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
    • Redeem cash back for any amount
    • Apply now and you could get a decision in as little as 90 seconds. No annual fee.
    • Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
    • Get a 0% intro APR for 15 months on purchases. Then 17.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 15, 2025.
    • Terms and conditions apply.

First-year Cashback Match

Instead of a welcome bonus, the Discover it® Cash Back card has a unique perk that could be worth a lot more money.

Discover will match all the cash back you’ve earned at the end of your first year. (Only available to new cardmembers.) So if you earn $300 in cash back in year one, you'll automatically get an extra $300. There's no limit on the cash back you can earn or the match.

Only use this card if you have a plan -- and can stick to it

The worst thing you can do with a 0% intro APR card is to treat it as an excuse to spend more.

Before you apply for the Discover it® Cash Back card (or any 0% intro APR card), figure out 1) how much you'll spend and 2) how you'll repay it before the variable APR kicks in. If you can do that, then the Discover it® Cash Back card could save you a bundle in 2026.

Ready to start racking up the cash back? Click here to learn more and apply for the Discover it® Cash Back card now.

Don't need 0% intro APR? How about an instant $250 Amazon gift card instead

If you just want big rewards for Amazon shopping, and you don't need 0% intro APR, then there's an even better option: the Prime Visa (see rates and fees).

Prime Visa

Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Prime Visa
4.30/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.30/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Limited-time offer

Get a $250 Amazon Gift Card instantly upon approval

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.99% - 27.74% Variable

Rewards Circle with letter I in it. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members

Limited-Time Offer: Get a $250 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash back on Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save.

    Read Full Review
    • Big Amazon.com and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Best Amazon Gift Card offer for Prime Visa
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

This card is exclusively for Amazon Prime members, and it's easily the best credit card for Amazon shopping. Here's why:

  • Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members
  • 5% cash rewards on Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • 2% cash rewards at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • 1% cash rewards on all other purchases

Those cash back rates are good all year round and have no spending caps.

I signed up for the Prime Visa last month. The whole process took about 30 seconds, and I've bought some Christmas presents with my gift card.

To claim a $250 Amazon gift card before this offer disappears, click here to learn more and apply for the Prime Visa today.

Our Research Expert

James McClenathen
James McClenathen icon-button-linkedin-2x

James McClenathen is a full-time Managing Editor and Personal Finance Writer at Motley Fool Money, overseeing the production and quality of editorial content while also writing about credit cards, investing, and everyday money management. He has worked at The Motley Fool since 2012 and brings extensive experience as an editor, reporter, and finance expert. A graduate of the University of Michigan, James has spent more than a decade of his career helping readers make smarter financial decisions.