Discover Checking Account Review: 1% Cash Back Debit Card (2019.6 Update: Double Cash Back First 6 Months)

Discover Cashback Checking Account (Debit Card/ATM Card) Review

2019.6 Update: The double cash back in the first 6 months offer is still alive. Offer ends on 2019.06.27.

2017.12 Update: Now you can earn 1% cash back, on the first $3000 in purchases per month! Previously you earned $0.10 cash back per transaction, up to $10 cash back per month. Current users are now automatically enrolled in the new 1% cash back benefit.

Application Link


  1. Sign-up bonus: earn double cash back for the purchases through 2019.11.29. Offer ends on 2019.05.30.
  2. Earn 1% cash back on up to $3,000 in debit card purchases each month.
  3. $0 monthly fee, no minimum deposit requirements.
  4. $0 incoming wire transfer fee.
  5. Discover doesn’t have its own ATMs, but it has some partner ATMs (Allpoint or MoneyPass networks) that let you withdraw money for free, you can use this link or the Discover mobile app to find them.
  6. You can’t use this debit card outside North America.
  7. Discover almost have no physical branches (more accurately, it has one physical branch in Delaware).

Bonus Requirements

  1. This offer is NOT valid for previous Discover Cashback Checking customers.
  2. Direct Deposit (DD) requirement: at least two Direct Deposits of $250 or more must be received within 90 days of account funding. There’s no DD requirement for the double cashback sign-up bonus.


The 1% cash back seems to be low compared to the cash back rate by credit cards, but this is a debit card, and may be useful for those places that do not accept credit cards.

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