Discover it® Business Card
The cash-back match in year one effectively doubles the first year's rewards, and Discover tends to be more approachable for good-but-not-excellent credit than some competitors.
Discover it® Business Card at a glance
Issued by Discover. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good
- Regular APR
- Variable, ~18–26%
- Foreign transaction fee
- None
Rewards
Unlimited 1.5% cash back on every purchase
Intro offer
Cash back match — Discover matches all cash back earned in year one
Discover it® Business Card's annual fee vs. the cheapest and priciest cards on the marketplace
Discover it® Business Card vs. similar Cash back
| Criterion | Discover it® Business Card | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–26% | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | None | 3% | 3% |
| Credit needed | Good | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Discover it® Business Card charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +First-year cash back match is a real, uncapped bonus
- +No annual fee
- +No foreign transaction fee
Cons
- −Discover has narrower merchant acceptance than Visa/Mastercard internationally
- −1.5% flat rate is unremarkable after year one
Discover it® Business Card has no annual fee, requires good credit, and carries a Variable, ~18–26% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Newer businesses that want simple rewards and no annual fee
We don't have a partnership with Discover — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.