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Discover it Cash Back

Discover it Cash Back
Our Take:

If you're willing to follow the rotating quarterly offers, you can earn 5% cash back on a variety of categories, such as gas stations, grocery stores and restaurants.  Skip to our full review

Learn More
and find out how you
can apply here.
  • Highlights
    • 5% cash back at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations or wholesale clubs up to the quarterly maximum each time that you activate. 
    • Unlimited 1% cash back on every other purchase.
    • All the cash back you've in your first year is matched at the end of your first year.
  • Intro APR
    0% intro APR for 14 months from date of account opening.
  • Regular APR
    After the intro APR expires, your APR will be 13.99% to 24.99%, based on your creditworthiness.
  • Credit level
    Excellent and Good Credit
  • Cash BackCash Back
  • DiningDining
  • No Annual FeeNo Annual Fee
  • RewardsRewards
Fees
  • Annual Fee
    None
  • Balance Transfer Fee
    3% of the amount of each transfer
  • Cash Advance Fee
    Either $10 or 5% of the amount of each cash advance, whichever is greater.
Discover it Cash Back Review

The Discover it Cash Back card is a solid card for people who want to maximize cash rewards and don't mind if their purchases only fit certain categories. Considering that Discover matches all the cashback you've earned at the end of the first year, there's a lot to like about getting that on top of bonus cashback incentives in the rotating categories. If you want a great all-purpose cashback card on both purchases and balance transfers, it's hard to beat the Discover it Cash Back. Provided you can fit your spending within specific categories, this is definitely a card you'll want to have on hand for shopping!

One of the points to keep in mind with the Discover it Cash Back card is you'll need to activate your bonus categories at the start of every quarter. Fortunately, you can activate the bonus categories through the Discover it card account center online or by phone. Categories change every year, but generally tend to follow a broad pattern.

Discover cards are accepted at 97% of stores in the U.S. Choosing the right card means taking a closer look at your lifestyle, your goals and which features are the most important for your needs. If the Discover it Cash Back card fits your needs, we would highly recommend putting it first in line.

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Editorial Note:

This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover.