It Cash Back Review 2026
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
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Your card estimate
Net first-year value
First year
+$0
Rewards + bonus - fee - interest drag
Ongoing year
+$0
Excludes one-time welcome offer
SwitchWize take
Intro APR planning card
Bonus value
See terms
Rewards
See terms
Annual fee
$0
APR
15mo 0%
Pros & cons
- No annual fee
- 15-month 0% intro APR
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (2026-06-21 00:00:00+00), APR range moved from 17.24%–26.24% to 18.74%–28.74%. Tracked since Jun 21, 2026 across 37 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (4 changes tracked) →
- Oct 25, 2026 — APR range moved from 17.74%–26.74% to 18.74%–28.74%.
- Oct 7, 2026 — APR range moved from 18.49%–28.49% to 17.74%–26.74%.
- Sep 24, 2026 — APR range moved from 17.49%–26.49% to 18.49%–28.49%.
- Jul 9, 2026 — APR range moved from 17.24%–26.24% to 17.49%–26.49%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
17.49%-26.49% variable
Verify spend requirement
Discover terms control approval, pricing, and rewards
The intro window is 15 months. Plan the payoff before the standard APR starts.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Bottom line
Is It Cash Back worth it?
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term