Featured Most Recent Highest Grade Lowest Grade Most Helpful With Photo Test Verified. However, this does not influence our evaluations. A 3% introductory fee and up to 5% on future balance transfers. Users who post a review directly on the NerdWallet site will not be compensated in any way. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. Just keep in mind that if you're using the card as a balance transfer option, you'll likely want to avoid making new purchases with it, and instead use the card solely for paying off debt. comes with an uncommon sign-up bonus for new cardmembers in their first year: offers plenty of breathing room for paying off balances after opening the account. This exclusive offer is available only to new cardmembers. Getting a Business Loan When You Have Bad Credit. So it's an extra incentive to grab a hold of this card and … Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. When you sign up for a card that’s eligible for the program, Discover will match all the cash back you earn during the first 12 months. Its ongoing cash back … You can read our advertiser disclosure here. Consolidating vs. Terms apply. All other purchases earn 1% back. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Reverse Mortgages: When Do They Make Sense? Discover will automatically match all the cash back you've earned at the end of your first year! Why Should You Get a Business Credit Card? This promotional offer may not be offered in the future. I love this card! You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. Get the Discover it® Cash Back card today. Our opinions are our own. 5% cash back in rotating quarterly bonus categories on the first $1,500 in purchases each quarter. Read the full Discover it chrome review here. Only Discover ® Cashback Match automatically matches the cash back you've earned at the end of your first year. Requirement to activate quarterly categories. • Amazon.com. If you want to see how these cards compare with other rewards cards, refer to our list of, If you prefer a no-fuss card, you might want to pass on the. Social Security number monitoring service, Benefits of Discover it Cash Back and Balance Transfer cards. With it, you can rake in big rewards for everyday spending without having to mess with bonus categories. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. What Are Different Types of Credit Cards? All cash back earned during the first year is then paid as a bonus to cardholders just after their first year. Anyone try something like this? But if you look a bit closer, a few important differences stand out. January 14, 2016 by Rob Berger. When evaluating offers, please review the financial institution’s Terms and Conditions. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. 11.99% on Discover's website, or call (800) 347-0264, 0% intro APR for 14 months on purchases and balance transfers, Cash back match at the end of your first year, Intro APR period on Purchases and Balance Transfers, Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue, If you value simplicity, a flat rate cash back card may be better. balance transfer APR Discover it with Cashback Match has a variable purchase APR that ranges from 11.99% up to 23.99%. Cashback Match™: For new cardmembers, Unlimited Cashback Match – only from Discover. No … Read more. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. The simplest way to redeem cash back with Discover is to take the money as a statement credit. This is a card that has been in my wallet for years now and it was always my go to card. Discover will automatically match all the cash back you’ve earned at the end of your first year! can help you see what types of categories to expect in the future. NerdWallet strives to keep its information accurate and up to date. Category announcements come only a couple of weeks before the start of a new quarter, which can make it harder to plan purchases. A variety of bonus categories. Discover it Cash Back Review: 5% Rewards Are Worth a Little Work This card offers a high rewards rate in rotating categories, a good 0% APR offer and … The bottom line: If you don't mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-maximizing strategy. This card offers a high rewards rate in rotating categories, a good 0% APR offer and an unusual bonus that could become a windfall. . At first glance, this card seems like a mirror image of the. Past bonus categories can help you see what types of categories to expect in the future. Fill in the application form. How To Invoice International Clients Without Losing Money In Fees, Opening a Joint Account: The Definitive Guide, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. , it's a different story. • Walmart.com. But if you look a bit closer, a few important differences stand out. There’s no limit to how much total cash back you can earn. Bonus categories aren't announced all at once: Unlike eligible Discover cards, the Chase Freedom Flex℠ doesn't reveal its full slate of quarterly bonus categories for the entire year. Chances are the Chase Freedom Flex℠ has been on your radar, too. Complete Guide to Personal Lines of Credit. issued by Discover Bank. Discover it with Cashback Match Pros & Cons, View all personal credit cards offered by Discover Bank, Please write a review to submit your vote, Compare Business Checking Accounts Reviews, Complete Guide to Certificates of Deposit. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The 5% rewards are limited each quarter, but even after you hit the $1,500 quarterly spending cap in those categories, you’re still earning 1%. This may influence which products we write about and where and how the product appears on a page. » MORE: Which 5% rotating bonus category card should you choose? However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. You get 2% cash back on every purchase — 1% when you buy something and 1% when you pay the bill. Savings vs. Money Market? Complete Guide to Credit Monitoring Tools, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Featured. There’s no minimum spending or maximum rewards. Not only will you get rotating bonus categories, but you'll also earn heightened rewards anytime on certain purchases. Please explain your vote by sharing your experience. But a credit score alone isn’t enough to qualify for any credit card. that ranges from You could turn $150 cash back into $300. Personal Loan Vs. Line Of Credit: Which Is Better? Issuers take into account your income, existing debts and other information. if you activate the categories by the 14th of the third month of the quarter; this is not the case with the. Copyright 2021 SuperMoney, LLC. Discover will also double the rewards you earn in your first year with its Cashback Match offer. Discover it® Cash Back offers up to 5% cash back on purchases in bonus categories that change quarterly based on Discover’s Cashback Bonus Calendar. Historically, they’ve ranged from broad options like restaurants and gas stations to specific retailers like Walgreens or Amazon.com. Discover it with Cashback Match has lower than average purchase APRs. • Wholesale clubs. The Discover It Cashback Credit Card Match usually starts with a Credit Limit of $3000 to $5000 dollars, however these limits can be higher if you have managed your credit well and have Exceptionally High Credit Score with low Credit Usage compared to credit limit. This exclusive offer is available only to new cardmembers. Does Refinancing Your Car Loan Hurt Your Credit Score? You could turn $150 cash back into $300. I’m thinking of trying this in Fall 2017, when my husband’s 12 months of Cashback Match runs out. You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $20. Discover will automatically match all the cash back you’ve earned at the end of your first year! Generally speaking, this is defined as a score of 690 or better. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. You would be hard-pressed to find a card with no annual fee that earns more than 5% cash back in bonus categories, which for the. 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