Fine Print Bureau
Discover It Cash Back
Verified 2026-10-31 against Discover Bank's own terms page.
What it costs
- Annual fee: None
- APR range: 18.74%–28.74%
- Foreign transaction fee: not verified
What you get, and what you have to do to get it
- Account Freeze Feature (other)
- Card Lock (other)
- Customizable Card Design (one time)
- Free Social Security Number Dark Web Alerts (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which.
Date verified and source
Verified 2026-10-31 directly against the issuer's published terms: View Discover Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.