Discover it Cash Back

Discover it Cash Back card art
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. 

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Learn Moreand find out how you can apply here

Features

Everyday Rewards

1%

Annual Fee

$0

Dining

5%

Gas

5%

Groceries

5%

Store

5%

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.
Why We Like It:

"5% cashback rotating categories"

Recommended Credit:
690
850
Excellent and Good Credit

Our 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 cash back 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 spending category. These categories include: Amazon and wholesale clubs, grocery stores, transportation gas stations, Uber and Lyft and restaurants.

Another notable feature is 0% intro APR for 14 months from date of account opening. For this reason, it makes a great card for a balance transfer or one time purchase. As for balance transfers, there is a fee: 3% of the amount of each transfer. That said, Discover cards are accepted at 97% of stores in the U.S. The variable APR range of 14.24% to 25.24% isn't too bad either. On the high end, it's above average, but that range is inline with other cards of this caliber. Ultimately, 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.

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.
Ratings

Cashback Reward

4

Intro APR

4

Balance Transfer Fee

4.5

Annual Fee

5

Overall

4

Overall
4
Learn Moreand find out how you can apply here

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