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Discover · Credit card · Cash back

3.5 Debt Sunset rating vs. other cash back cards

No-fee cash back on gas and restaurants, with 15 months of 0% on purchases and balance transfers.

Rates, fees and offers

Regular APR
17.49%–26.49% 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 terms
Rewards
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter; 1% everything else. Discover matches all cash back earned in the first year.

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

Notes

Discover matches all cash back earned in your first year.

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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