The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Discover makes every lending decision.
- Annual fee and first-year pricing
- No annual fee See rates, rewards, fees, and other cost information
- Purchase APR
- Yes, eligible customers may qualify for an 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies. 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies No annual fee See rates, rewards, fees, and other cost information
- Introductory APR and duration
- Yes, eligible customers may qualify for an 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies. 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies No annual fee See rates, rewards, fees, and other cost information
- Balance transfers and fees
- Yes, eligible customers may qualify for an 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies. When Card Lock is enabled, some activity may continue, including returns, credits, payments, interest, balance transfers, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. Typically, only primary cardholders or account managers can lock and unlock a card. Capital One customers are responsible for regularly checking their account activity and making payments on locked cards. If your card is lost or stolen, please notify Capital One as soon as possible. 0% intro APR for 15 months on purchases and balance transfers; 18.74% to 28.74% variable APR after that; Balance Transfer Fee applies No annual fee See rates, rewards, fees, and other cost information
- Redemption options and restrictions
- Yes, you can redeem cash back any time after you earn it and still receive the full match amount at the end of your first year.
- Bonus eligibility and restrictions
- Earn a $200 bonus statement credit when you open a Discover it Cash Back Credit Card and spend $500 in the first 3 months. This one-time bonus is available by applying through this page and may not be available through other channels or if you close this page. Once you qualify for this bonus, we will apply it to your statement within two billing cycles. Existing or previous cardmembers may not be eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.
- Statement credits and enrollment
- Earn a $200 bonus statement credit when you open a Discover it Cash Back Credit Card and spend $500 in the first 3 months. This one-time bonus is available by applying through this page and may not be available through other channels or if you close this page. Once you qualify for this bonus, we will apply it to your statement within two billing cycles. Existing or previous cardmembers may not be eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months. Earn a $200 bonus statement credit when you spend $500 in the first 3 months.
- Security deposit
- $0 Fraud Liability You’re never responsible for unauthorized purchases on your Discover Card.
Recorded from Discover’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
