Discover it
No annual fee, earning Cash, on the Discover network.
Card terms last verified against issuer pages on 2026-09-20.
The Discover it is a no annual fee card from Discover earning Cash. It earns 5x on airlines, 5x on gas, 5x on transit and 5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Discover advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airlines | 5x | |
| Gas | 5x | |
| Drugstore | 5x | Everything else |
| Transit | 5x | |
| EV Charging | 5x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Free FICO Credit ScoreFree access to your FICO credit score for cardmembers. The credit scorecard offers free access to your FICO credit score, allowing you to track and improve one of the most important metrics associated with your credit. | Once a year | — |
| Freeze it FeatureTurn your account on/off with Freeze it. If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it on/off switch on our mobile app and website. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. | Once a year | — |
| Online Privacy ProtectionWe will help you regularly remove your personal info from select people-search websites that could sell your data. It is free, activate with the Discover app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. | Once a year | — |
| Free Social Security Number AlertsGet an alert if we find your Social Security Number on any of thousands of Dark Web sites. Activate for free. The Alerts currently provide daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. | Once a year | — |
| Cashback MatchDiscover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it cash back card. So if you earn $50 cash back, we will give you another $50. There is no limit to how much we will match. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- $0 Fraud Liability Guarantee — You are never responsible for unauthorized purchases on your Discover Card. An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges.
Questions people ask about the Discover it
What is the annual fee on the Discover it?
The Discover it has no annual fee.
What does the Discover it earn?
5x on airlines, 5x on gas, 5x on drugstore, 5x on transit, and 5x on everything else, in Cash.
Does the Discover it charge foreign transaction fees?
No — the Discover it has no foreign transaction fee.
