Discover it Cash Back

Discover it Cash Back General Protection

No annual fee. 3 general protection benefits, with what each is worth and the limits that apply.

Annual fee
No fee
Estimated value
$10/yr
Benefits
3

Account Freeze On/Off Switch

Coverage

Turn your card on or off anytime via app to block new purchases while allowing your recurring bills to continue.

Value Analysis

Estimated Value
$10

Instant Virtual Card Number

Get a virtual card number right away to shop online before your physical card arrives, if eligible.

No Late Fee on First Late Payment

Discount

Get a one-time pass if you miss a payment, with no late fee charged on your first occurrence.

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.