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Let's be honest. Most credit cards just aren't that great — high fees, low rewards, nothing special.
But there's a card that's different — and it's so good, many of our top experts actually use it themselves: Discover it® Cash Back card.
Here's why it stands out:
Great for: Huge cash back rewards + Long 0% Intro APR
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Discover will automatically match all the cash back you've earned at the end of your first year!
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
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 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.
Up to 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 $300 in cash back in your first year, Discover will match it for a total of $600 cash back! And it could even be much, much more than that.
0% intro APR for 15 months for purchases — Want to avoid costly interest charges on purchases for well over a year? This card features a lengthy 0% intro APR period of 15 months months for purchases. 18.24% - 27.24% Variable APR applies after the intro period.
0% intro APR for 15 months on balance transfers — You’ll also get a lengthy 0% intro APR period of 15 months months for balance transfers. 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. 18.24% - 27.24% Variable APR applies after the intro period.
$0 annual fee — Other credit cards packed with these kinds of perks tend to charge a high annual fee, but not this card.
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 — 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.
Our Credit Cards Experts
Motley Fool Money brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.
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.
