Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Bonus: $100 cash back
Spend: $300
Period: 3 months
Benefits & Perks
Complete protection from fraudulent charges with zero liability for unauthorized transactions
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Details & Terms
| Purchase APR | 16.49%–25.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Discover Cashback family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Discover It Cashback | mid | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Discover Official | — | Discover Official |
| Discover Official | — | Discover Official |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| RewardsCC API | — | RewardsCC API |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| Issuer Page | Issuer Page: Earn rates |
| Issuer Page | Issuer Page: Welcome offer |
| Issuer Page | Issuer Page: Welcome offer |
| Issuer Page | Issuer Page: Welcome offer |
