Discover it Cash Back 0% APR & payoff plan.
The Discover it® Cash Back Credit Card offers a variety of benefits including unlimited cash back rewards, a 0% intro APR on purchases and balance transfers for the first 15 months, with an annual fee of none. Key features include: 5% cash back on rotating categories (up to a quarterly maximum), a Cashback Match at the end of the first year, and 24/7 fraud liability protection. Users can freeze their accounts via a mobile app and receive alerts if their Social Security number is found on the dark web. Overall, it is designed to provide substantial rewards with flexible terms.
Terms last verified Jun 26, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 15 months
- 0% on transfers
- 15 months
- Balance transfer fee
- 3% Intro fee of the amount transferred; 5% fee for future transfers.
- Regular APR
- 17.49% – 26.49% variable
- Annual fee
- $0
- Issuer
- Discover
- Category
- Cash Back
Promo APR details
0% intro APR for 15 months on purchases and balance transfers. Rates effective as of May 29, 2026.
Payoff strategy
Pick one purpose — purchases OR transfers — and use the card only for that during the promo. Mixing both makes interest allocation hard to follow.
When this card makes sense
The Discover it Cash Back is most useful when the offer matches the job. If you are paying down existing debt, the 15 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 15 months 0% purchase window. After the promo ends, the 17.49% – 26.49% variable regular APR is expensive — so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.