Discover it Cash Back
FeaturedFreeRotating 5% cash back categories with first-year cash back match
💵Cash Back CardsAbout Discover it Cash Back
The Discover it Cash Back card stands out with its first-year Cashback Match that automatically doubles all cash back earned in the first 12 months. The card earns 5% on rotating quarterly categories (up to $1,500 per quarter) and 1% on everything else. With no annual fee and acceptance at over 99% of US merchants, the Discover it is an excellent first credit card or complement to a rewards strategy that maximizes quarterly bonus categories.
What's Great
- ✓First-year Cashback Match effectively doubles all rewards earned
- ✓5% back on rotating categories up to $1,500 per quarter
- ✓No annual fee ever with solid ongoing rewards
- ✓Free FICO score and Social Security number monitoring
- ✓US-based customer service with high satisfaction ratings
Watch Out For
- !Must activate quarterly rotating categories to earn 5%
- !5% bonus capped at $1,500 in spending per quarter
- !International acceptance is limited compared to Visa or Mastercard
- !1% base rate on non-category spending is below the best flat-rate cards
Common Use Cases
New credit card user wanting a generous first-year bonus through Cashback Match
Strategic spender willing to optimize around rotating 5% categories
Student or young adult building credit with a forgiving no-fee card
Pricing Model
Free
100% free to use — no credit card required.
Category
Cash Back Cards
Earn cash back on everyday purchases with straightforward rewards.
Tags
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