The Cash Back Card Our Experts Use — Now With 0% Intro APR Until Nearly 2028
Last Updated: Sept. 30, 2026
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Last Updated: Sept. 30, 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 () is different. In fact, we like it so much that more of our experts use it personally than any other card.
Here's why it stands out:
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 a total of $300 cash back! And it could even be much, much more than that.
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. (17.74% - 26.74% variable APR after that.)
0% intro APR on balance transfers for 15 months — You’ll also get a lengthy 0% intro APR period of 15 months for balance transfers. (17.74% - 26.74% variable APR after that; balance transfer fee applies). 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 .
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, and a lengthy 0% intro APR period for 15 months on both purchases and balance transfers (17.74% - 26.74% variable APR after that; balance transfer fee applies; balance transfer fee applies) — all for no annual fee. That’s why so many of our experts use it personally, and why we believe it’s a no-brainer choice for many Americans.
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.
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.
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