Discover it Cash Back
5% rotating quarterly categories plus an unlimited first-year Cashback Match that effectively doubles all rewards.
Why it ranks
- No annual fee
- Huge first-year value
- No foreign transaction fee
What holds it back
- Discover less accepted abroad
- Must activate categories
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
5% rotating quarterly categories plus an unlimited first-year Cashback Match that effectively doubles all rewards.
Discover it Cash Back at a glance
| Issuer | Discover |
| Card network | Discover |
| Annual fee | No annual fee |
| Welcome bonus | Unlimited Cashback Match for the entire first year |
| Rewards rate | 5% rotating categories on up to $1,500/quarter (activation), 1% other; all cash back matched the first year |
| Intro APR | 0% intro APR on purchases for 15 months |
| Regular APR | 18.24%–28.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good (670+) |
| Best for | First-year value seekers and category optimizers |
| Airport lounge access | No |
Rewards & benefits
- First-year Cashback Match
- No foreign fee
- Free FICO score
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Discover’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | DDiscoverit Cash BackNo annual fee · US Discover it Cash BackFirst-year value seekers and category optimizers |
None | 5% rotating categories on up to $1,500/quarter (activation), 1% other; all cash… | Unlimited Cashback Match for the entire first year | None | Good (670+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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