| Category | Rate | Type | Cap |
|---|---|---|---|
|
Rotating Categories
Activate to earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to $1,500 in purchases each quarter when you activate.
Rotating
|
5x | Cash Back | $6,000/yr |
|
All Other Purchases
1% cash back on all other purchases.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
5% Cash Back on Rotating Categories
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay with PayPal, up to the quarterly maximum, when you activate.
|
Cash Back Rewards |
5% cash back on activated rotating categories, up to quarterly maximum
Up to $0
|
|
Unlimited 1% Cash Back
Earn unlimited 1% cash back on all other purchases—automatically.
|
Cash Back Rewards |
1% cash back on all other purchases
Up to $0
|
|
U.S.-based 24/7 Customer Service
Talk to a real person any time. Our U.S.-based Customer Service is available 24/7.
|
Customer Service | 24/7 access to U.S.-based customer service representatives |
|
First Late Payment Fee Waived
Your first late payment is automatically waived.
|
Fees & Charges | First late payment fee automatically waived |
|
No Annual Fee
No annual fee.
|
Fees & Charges |
No annual fee
Up to $0
|
|
No Foreign Transaction Fees
No foreign transaction fees.
|
Fees & Charges |
No fees on international purchases
Up to $0
|
|
No Penalty APR for Late Payments
We don't charge a penalty APR for late payments. Paying late won't raise your APR.
|
Fees & Charges |
No increase in APR due to late payments
Up to $0
|
|
Free FICO Score
Get your FICO® Score for free on your monthly statements and online.
|
Financial Management | Free FICO Score access |
|
0% Intro APR on Balance Transfers
0% intro APR on balance transfers for 15 months. Then a variable purchase APR applies, 18.24% - 28.24%.
|
Introductory Offer |
0% intro APR on balance transfers for 15 months
Up to $15
|
|
0% Intro APR on Purchases
0% intro APR on purchases for 15 months. Then a variable purchase APR applies, 18.24% - 28.24%.
|
Introductory Offer |
0% intro APR on purchases for 15 months
Up to $15
|
|
Cash Back Match
Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
|
Introductory Offer | Dollar-for-dollar match of all cash back earned in the first year |
|
$0 Fraud Liability
You're never responsible for unauthorized purchases on your Discover card.
|
Security |
$0 liability for unauthorized purchases
Up to $0
|
|
Fraud Monitoring
Discover monitors every account, every day, for suspicious activity. If we spot something unusual, we'll notify you by email, text, or phone.
|
Security | Daily account monitoring for suspicious activity |
|
Freeze it® on Demand
Stop new purchases, cash advances & balance transfers on your account in seconds with Freeze it® on the Discover Mobile App and website.
|
Security | Ability to instantly freeze/unfreeze card activity |