Pay No Interest & Earn Unlimited Cash Back
Enjoy an intro APR for 15 months on purchases and balance transfers, plus unlimited cash back with Discover it® Cash Back.
Fact Checked
Fact Checked
The Discover it® Cash Back card is likely the most well-rounded card we review as it checks all of the boxes that are important to most credit card seekers.
Generous Introductory APR
Those seeking a 0% intro APR will be happy to hear that the Discover it® Cash Back card allows you to pay 0% Intro APR on purchases and on balance transfers for 15 months, then 17.99% - 26.99% Variable APR.
Earn Up to 5% Cash Back
The Discover it® Cash Back card allows you to earn 1% cash back on all purchases, unlimited by category or earning caps. Plus, each quarter there will be specific categories in which you’ll earn 5% cash back on up to $1,500 in purchases. After hitting the maximum, you keep earning the usual 1%. Past 5% Cashback Bonus® opportunities have included categories like restaurants and wholesale clubs, and major online stores. You do have to remember to activate your rewards for the quarterly cash back opportunities, but Discover makes it very easy to activate.
The unlimited 1% cash back and quarterly 5% cash back provide the best of both worlds between cards that let you earn a small amount on everything, and those that let you earn a larger amount on specific purchases. These rewards never expire, and the card has no annual fee to eat up your earnings.
First Year Bonus
The Discover it® Cash Back’s unique cash back bonus can really add up to a big payout at the end of your first year. All of the cash back you’ve earned in that first year is matched. There are no minimums or hoops to jump through to earn this bonus. It’s easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories.
Discover it® Cash Back
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.99% to 26.99% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Other Rewards Card Options
We think the Discover it® Cash Back is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
We really like that the Chase Freedom Unlimited® card offers a straightforward way to earn cash back while also providing some enticing bonus categories and a generous welcome offer. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. And you’ll also earn 5% on travel purchased through Chase Travel℠, 3% at drugstores and on dining at restaurants, including takeout and eligible delivery services, and an unlimited 1.5% cash back on your other purchases. Aside from the incredible cash back, you’ll enjoy no annual fee and 0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.74% – 28.24% Variable.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
$200 Bonus + Best Choice For Flat Rate Cash Back
Wells Fargo Active Cash® Card
This card from Wells Fargo is a top contender, especially if you are looking for a simple rewards structure. You’ll earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. There is also a welcome bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved. This is a really low spend threshold, making it easy to cash in on that bonus. This means you are getting 40% back on the first $500 you spend. This card also offers a 0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.99%, 24.99%, or 28.99% Variable APR.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
25,000 Bonus Points Offer Worth $250 + Best Choice to Earn Free Travel
Apply Now
Bank of America® Travel Rewards credit card
If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. Select ‘Apply Now’ to see the current offer terms.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening. Read our in-depth Review to learn more.Card Details From Issuer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
As you can see, it is a great time to be in the market for a new rewards card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.