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  1. Secured Credit Card. 28.24% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2024 then the standard purchase APR applies. Cash APR: 29.99% variable.

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    • Cash back in popular areas. The Discover it® Cash Back and the Discover it® Balance Transfer earn 5% back on rotating quarterly categories up to a maximum of $1,500 in purchases per quarter (requires activation); 1% after that.
    • Redemption flexibility. You can redeem your cash back in any amount whenever you like, and into any bank account you choose. Other redemption options include gift cards, instant eCertificates, donations to charities, statement credit or Amazon.com purchases.
    • A long 0% intro APR period. Both credit cards offer lengthy introductory APR promotions that can help you finance a large purchase or pay down debt. The Discover it® Cash Back offers the longer interest-free window on purchases, while the Discover it® Balance Transfer offers the lengthier promotion on balance transfers.
    • A valuable sign-up bonus for new cardholders. Both cards offer a potentially lucrative sign-up bonus, depending on how much you spend. Discover describes the offer this way, for both products
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    • Discover it® Secured Credit Card. The Discover it® Secured Credit Card is one of our top choices for consumers who need to build their credit history. Cardholders will need to put down a deposit (the amount becomes equal to the cardholder’s credit limit), but it offers one of few options in its class—earning decent rewards without charging an annual fee.
    • Discover it® Cash Back. Big spenders and those who can maximize the cash-back categories with the Discover it® Cash Back can earn ample rewards, especially in the first year when rewards are doubled.
    • Discover it® Student Cash Back. Geared toward students with little-to-no credit history, the Discover it® Student Cash Back is similar to the Discover it® Cash Back.
    • Discover it® Miles. Instead of earning traditional cash back, the Discover it® Miles earns 1.5 miles per dollar of every purchase. The miles act similarly to cash back, where 1 mile is worth 1 cent.
    • Discover It® Cash Back Card Benefits
    • Maximizing The Discover It® Cash Back
    • The Bottom Line

    One of the most popular benefits of the Discover it® Cash Back is the ability to earn bonus rewards in many everyday spending categories. In addition to earning cash backon purchases, the card features a delayed welcome bonus that comes in the form of a rewards match, a lengthy introductory APR offer and consumer protection tools for cardholders. H...

    Now that you know all about the Discover it® Cash Back benefits you qualify for as a cardholder, you can focus on maximizing the Discover it® Cash Back. First of all, remember that you’ll have to activate each quarter’s 5 percent back categories for the bonus rewards to apply. You can take this step online through your Discover online account manag...

    Discover it® Cash Back benefits are wide and varied, but the biggest perks you’ll get with this card come in the form of the rewards you earn. Getting to earn 5 percent cash back on up to $1,500 spent in quarterly bonus categories (then 1 percent back) gives you the chance to earn a lot more in rewards each year, and that’s especially true during t...

  3. May 10, 2024 · High rewards and easy withdrawals. Cash back: Discover credit cards earn cash back rewards or Miles (that can also be used as cash back), and you can redeem in amounts as low as $0.01, should you ...

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