The Cash Back Card Our Experts Use — Now With 0% Intro APR Until Nearly 2028
Last Updated: Oct. 25, 2026
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Last Updated: Oct. 25, 2026
Let's be honest. Most credit cards just aren't that great — high fees, low rewards, nothing special.
But the Discover it® Cash Back card (rates and fees) is different.
Here's why it stands out:
Great for: Huge cash back rewards + Long 0% Intro APR
= Best
= Excellent
= Good
= Fair = Poor
= Best
= Excellent
= Good
= Fair = PoorNEW BONUS OFFER
You’ll now earn a $200 statement credit when you spend just $500 in the first 3 months after account opening. Plus Discover will double the cash back you earn in your first year!
Intro APR
Purchases: 0% intro APR on purchases for 15 months
Balance Transfers: 0% intro APR on balance transfers for 15 months (balance transfer fee applies)
Regular APR
Rewards 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.
Annual Fee
Welcome Offer Earn Unlimited Cashback Match + $200 INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening.
5% cash back — You'll earn a whopping 5% back on everyday purchases in rotating categories like grocery stores, restaurants, and gas stations (up to $1,500 per quarter, when you activate). Discover makes activation easy with a simple email reminder each quarter. All other purchases earn unlimited 1% cash back (which is really a baseline of at least 2% cash back in your first year — see below!)
Unlimited Cashback Match™ — This is one of our favorite perks of the card. Discover will automatically match all the cash back you’ve earned at the end of your first year for new cardholders, which can lead to a truly incredible amount of cash back in your pocket. For example, if you earn $150 in cash back in your first year, Discover will match it for $300 cash back.
New $200 bonus! — Earn a $200 statement credit after an easy $500 spend in the first 3 months. This new offer makes the Discover it® Cash Back one of the highest-earning first-year value cards we've reviewed!
0% intro APR on purchases for 15 months — Want to avoid costly interest charges on purchases for well over a year? This card features a lengthy 0% intro APR on purchases for 15 months. (18.74% - 28.74% variable APR after that.)
0% intro APR on balance transfers for 15 months (balance transfer fee applies) — You’ll also get a lengthy 0% intro APR period of 15 months for balance transfers. (18.74% - 28.74% variable APR after). That’s a smart move if you have credit card debt – you can transfer it to this card to avoid interest charges for well over a year on that transferred balance.
$0 annual fee — Other credit cards packed with these kinds of perks tend to charge a high annual fee, but not this card. See rates and fees.
The Discover it® Cash Back card is one of the best cards we've seen — and we've reviewed hundreds of them.
It offers a rare combination of elite cash back rates, huge bonus potential (now including an easy-to-earn $200 statement credit after spending just $500 in the first 3 months), and a lengthy 0% intro APR period for 15 months on both purchases and balance transfers (18.74% - 28.74% variable APR; balance transfer fee applies) — all for no annual fee (rates and fees). That’s why so many of our experts use it personally, and why we believe it’s a no-brainer choice for many people.
Final note: credit card offers like this can change — and once they do, they’re often gone for good. If this card sounds like a fit, we recommend applying today while this offer is still available.
Great for: Huge cash back rewards + Long 0% Intro APR
= Best
= Excellent
= Good
= Fair = Poor
= Best
= Excellent
= Good
= Fair = PoorNEW BONUS OFFER
You’ll now earn a $200 statement credit when you spend just $500 in the first 3 months after account opening. Plus Discover will double the cash back you earn in your first year!
Intro APR
Purchases: 0% intro APR on purchases for 15 months
Balance Transfers: 0% intro APR on balance transfers for 15 months (balance transfer fee applies)
Regular APR
Rewards 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.
Annual Fee
Welcome Offer Earn Unlimited Cashback Match + $200 INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
*Average American budget per https://www.fool.com/money/research/average-monthly-expenses/. Includes the following categories earning 1% cash back: utilities and household operations, healthcare, apparel and services, education, vices, miscellaneous, personal care, reading, food, transportation, and entertainment.
Motley Fool Stock Disclosures
JPMorgan Chase is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, and Target. The Motley Fool recommends Capital One Financial. The Motley Fool has a disclosure policy.
