{"id":28050,"date":"2018-09-23T03:05:03","date_gmt":"2018-09-23T07:05:03","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=28050"},"modified":"2026-04-08T13:18:35","modified_gmt":"2026-04-08T13:18:35","slug":"discover-business-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/discover-business-card\/","title":{"rendered":"Discover it\u00ae\u00a0Business Card Review"},"content":{"rendered":"<p><em><strong>The Discover it<sup>\u00ae<\/sup> Business Card is no longer available. See our list of <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">best business card offers<\/a> and our <a target=\"_blank\" href=\"\/credit-cards\/best-business-cards-no-annual-fee\/\" rel=\"noopener\">best no-annual-fee business cards<\/a> for alternatives.<\/strong><\/em><\/p>\n<p>The Discover it<sup>\u00ae<\/sup> Business Card is a straightforward cash back card for business owners that offers exceptional rewards for the first year, a great intro APR on purchases, and charges no annual fee.<\/p>\n<p>Rather than a traditional cash back signup bonus, the Discover it Business Card matches all cash back earned in the first 12 months. The card typically earns a flat 1.5% cash back on all purchases, so for the first year, you\u2019ll receive an unlimited 3% cash back on every purchase.<\/p>\n<p>In addition to the higher-earning rate for the first year, the Discover it Business Card also scores a 0% intro APR for 12 months on purchases, followed by a variable rate of 14.74% to 22.74%, making it a great card to use for significant purchases in the first 12 months. You\u2019ll get 3% cash back, plus you can take advantage of the 0% intro APR.<\/p>\n<p><img data-aspectratio=\"708\/327\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-28051  lazyload\" title=\"Discover it\u00ae Business Card\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2018\/09\/Discover-it-Business-Card.png\" alt=\"Discover it\u00ae Business Card\" width=\"708\" height=\"327\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2018\/09\/Discover-it-Business-Card.png 1448w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2018\/09\/Discover-it-Business-Card-300x139.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2018\/09\/Discover-it-Business-Card-1024x473.png 1024w\" sizes=\"(max-width: 708px) 100vw, 708px\" \/><\/p>\n<h2><span id=\"Discover_it_Business_Card_Highlights\">Discover it Business Card Highlights<\/span><\/h2>\n<ul>\n<li>Unlimited 1.5% cashback on all spending<\/li>\n<li>Cashback match bonus for the first year (Effective 3% back for the first 12 months)<\/li>\n<li>Free FICO<sup>\u00ae<\/sup> Credit Scorecard<\/li>\n<li>Free employee cards<\/li>\n<li>No foreign transaction fees<\/li>\n<li>0% Intro APR for 12 months months on purchases, then a variable rate of 14.74% to 22.74%<\/li>\n<\/ul>\n<h2><span id=\"How_the_Discover_it_Business_Card_Compares_to_Other_Business_Cards\">How the Discover it Business Card Compares to Other Business Cards<\/span><\/h2>\n<p>For the first 12 months, the Discover it Business Card provides one of the best cash back returns available for business owners, particularly for large purchases or business expenses that don\u2019t fall under bonus categories covered by other cards.<\/p>\n<p>The return on the card is reduced to 1.5% after the first year when the Cashback Match period comes to an end. While 1.5% is still considered a good return for a no annual fee card, there are plenty of <a href=\"\/credit-cards\/best-business-cards-no-annual-fee\/\">no annual fee business cards<\/a> providing 2% or better return on expenses. And if you are happy to wear a yearly fee, you could potentially get a much higher return on spend with a <a href=\"\/credit-cards\/best-business-credit-cards\/\">premium business rewards card<\/a>.<\/p>\n<p>Discover, unlike most card issuers, does report business credit cards to your personal credit report \u2014 something you\u2019ll need to keep in mind when evaluating <a href=\"\/credit-cards\/rewards-card-application-rules\/\">application rules for credit card issuers<\/a>.<\/p>\n<h2><span id=\"Alternatives_to_the_Discover_it_Business_Card\">Alternatives to the Discover it Business Card<\/span><\/h2>\n<p>If you are looking for an alternative to the Discover it Business Card, there are some great rewards cards available for business owners.<\/p>\n<p><strong>No annual fee business rewards cards:<\/strong><\/p>\n<ul>\n<li><a data-ccid=\"340040\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a><\/li>\n<li><a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a><\/li>\n<li><a data-ccid=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a>  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<li><a data-ccid=\"4048169\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-business-cash\/\">The American Express Blue Business Cash\u2122 Card<\/a> (<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<p><strong>Premium business rewards cards:<\/strong><\/p>\n<ul>\n<li><a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a><\/li>\n<li><a data-ccid=\"4048264\" href=\"https:\/\/awardwallet.com\/blog\/cards\/SparkCashPlus\">Capital One Spark Cash Plus<\/a><\/li>\n<li><a data-ccid=\"265\" href=\"https:\/\/awardwallet.com\/blog\/cards\/SparkMiles\">Capital One Spark Miles for Business<\/a><\/li>\n<li><a data-ccid=\"4028096\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-platinum\/\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a><\/li>\n<\/ul>\n<h2><span id=\"Our_Take\">Our Take<\/span><\/h2>\n<p>A no-annual-fee card that offers an effective 3% cash back for the first 12 months (with no limit) is huge. However, it all comes down to your goals and where your business makes purchases. There are plenty of small business cards earning more points or miles on bonus categories that may be better positioned to help you achieve your goals. But for those who want to keep things simple, it doesn\u2019t get more straightforward than cash.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Discover_it_Business_Card_Highlights\">Discover it Business Card Highlights<\/a><\/li><li><a href=\"#How_the_Discover_it_Business_Card_Compares_to_Other_Business_Cards\">How the Discover it Business Card Compares to Other Business Cards<\/a><\/li><li><a href=\"#Alternatives_to_the_Discover_it_Business_Card\">Alternatives to the Discover it Business Card<\/a><\/li><li><a href=\"#Our_Take\">Our Take<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Discover it\u00ae Business Card is a no-fuss business rewards card providing an unlimited 1.5% cash back, no foreign transaction fees, no annual fee, and free FICO scores.<\/p>\n","protected":false},"author":17,"featured_media":40310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12620,14753,12784],"coauthors":[36383],"class_list":["post-28050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-card-reviews","tag-cash-back","tag-discover"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/28050","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=28050"}],"version-history":[{"count":28,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/28050\/revisions"}],"predecessor-version":[{"id":255193,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/28050\/revisions\/255193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/40310"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=28050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=28050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=28050"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=28050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}