Discover it Cash Back

Discover it Cash Back card art

Discover · Credit card · Cash back

4.0 Debt Sunset rating vs. other cash back cards

Rotating 5% categories, a first-year cash back match, and 15 months of 0% intro APR on purchases and balance transfers.

Rates, fees and offers

Regular APR
18.49%–28.49% variable
Annual fee
$0
Promo offers
0% intro APR for 15 months on purchases and balance transfers.
Balance transfer fee
Balance transfer fee applies; see Discover's rates and fees
Rewards
5% cash back on quarterly rotating categories (up to the quarterly maximum, activation required); 1% on everything else.
Welcome offer
Discover matches all the cash back you earn in your first year, automatically.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Discover does not publish a single payment mailing address: it depends on your billing address. Use the address printed on your periodic statement.

Discover is now owned by Capital One. Cards and accounts continue as before. Discover's mailing address for payments depends on where you live. Use the address printed on your statement.

Paying and contacting Discover

Customer service
1-800-347-2683 · 24/7
Pay by mail
Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
General inquiries:
Capital One
P.O. Box 71083
Charlotte, NC 28272-1083

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