Discover it® Business Credit Card

The only business card with Cashback Match

No annual fee Apply Now

Unlimited 1.5% Cash Back

Earn 1.5% cash back on every dollar spent on all purchases. Your rewards never expire. 3

Cashback Match

Only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year!2  There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. So you could turn $350 cashback into $700 with Cashback Match.

100% U.S. Based Customer Service

Here to help whenever you call, not sell you other products. Plus get powerful, fast mobile and online service.

How much will your business earn in the first year?

Earn 1.5% cash back on every dollar spent—on all purchases. Slide to estimate your annual spend.

$0 $50,000+
$75
1.5% cash back on every purchase
+
$75
Cashback Match at the end of your first year
=
$75
Total cash back in your first year
Compare us to the competition. See for Yourself

Benefits built for business.

Track Business Expenses

Download transactions easily into Quicken, QuickBooks, and Excel.

Free Employee Cards

Add employee cards with spending limits and earn rewards for all their purchases.

Free Social Security Number Alerts

We'll alert you if we find your Social Security number on any of thousands of Dark Web sites-when you activate.1

Fraud Protection

Our $0 Fraud Liability Guarantee means you're never held responsible for unauthorized purchases on your Discover card.

FICO® Credit Score

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.4

Discover it Business Card
  • 0% Intro APR for 12 months on purchases.

  • Then 12.99% to 20.99% Standard Variable Purchase APR will apply.

Business Credit Card FAQs

Using a business card makes it easy to track all your business expenses in one place. Keeping your personal and business expenses separate may be helpful at tax time when determining if you can take business deductions, because you’ll know exactly how your business dollars were spent. You’ll spare yourself the time and effort of trying to split out every purchase between personal and business.   

Along with basic contact information, you’ll need to know your company structure (i.e., sole proprietor, partnership, corporation, LLC); the legal name of the business; how many years you’ve been in business; and your annual revenue. 

To be approved for a Discover business card, you'll need to own 100% of a business older than one year and have significant responsibility for managing it. If you have employees, you can give them up to 50 free business credit cards, and customize their spending limits. Plus you’ll earn rewards on all their Discover business card purchases. 

 

Discover it® Business Card

Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover, as of May 2020. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Your rewards never expire: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

  4. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

  5. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/business/reviews/