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Discover it® Cash Back

For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate.

Card details

  • Annual fee: $0
  • Rewards rate: 1% – 5%
  • Type of card: Rewards
  • Credit Score: Good – Excellent (690 – 850)

Card benefits

  • Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Click “Apply Now” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

For whom this card is recommended

If you don’t mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-maximizing strategy.

Therefore, for people who prefer cash back and dont mind putting in a little work, this $0-annual-fee card is well worth it.

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