The Discover it Cash Back is a personal credit card from Discover it Cash Back. Application typically pulls a hard report from Equifax. The annual fee is no annual fee. The ongoing APR is RegAPR after a 0% APR on purchases introductory rate for 15 months. Approval typically requires a credit score of good to excellent credit or higher. Signup bonus: Discover matches all the cash back you earn, dollar for dollar, at the end of your first year. Rewards: 5% cash back on rotating quarterly categories up to a quarterly maximum of $1,500, then 1% on all other purchases. Cash back: 5% cash back on up to $1,500 in purchases in bonus categories each quarter.. Typical credit limit: $500–$1,000 (varies). This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Discover limits cardholders to a maximum of 2 personal Discover cards open at any time. New Discover applications are typically only approved if your last Discover application was at least 14 days ago. First-year cashback is automatically matched (unique to Discover).. No annual fee and a unique cash back matching offer.