Discover it® Cash Back
📍 Available in: US
★★★★★ 4.7 / 5.0
The Discover it Cash Back offers 5% cash back in rotating quarterly categories (activated by you) and 1% on all other purchases. What makes it legendary is the Cashback Match: at the end of your first year, Discover automatically matches every dollar of cash back you earned — effectively doubling your first-year rewards to 10% in bonus categories and 2% everywhere else.
Key Facts at a Glance
| Cost / Fee Structure | $0 |
| APR / Rate | 17.24% - 28.24% Variable |
| Sign-Up Bonus / Match | Cashback Match™ |
| Credit / Eligibility | Good (690+) |
Pros & Cons
✓ Pros
- ✓First-year match is potentially the most lucrative bonus in cash back
- ✓No annual fee
- ✓No foreign transaction fees (rare for cash back cards)
- ✓Excellent customer service
✕ Cons
- ✕Must activate categories each quarter
- ✕$1,500 quarterly cap on 5% spending
- ✕Discover is not accepted everywhere internationally
Key Features
5% Rotating CategoriesFirst-Year Cashback Match™No Annual FeeNo Foreign Transaction FeesLate Fee Forgiveness (First Time)