Discover It Card: A Top Choice for Cashback Rewards
The Discover It Card features a generous cashback program with 5% on rotating categories and 1% on all other purchases. It doubles your cashback in the first year, has no annual fee, and offers excellent fraud protection.
By: The Credito
Discover it® Cardholders can earn an impressive 5% cashback on everyday purchases in popular categories that rotate each quarter—such as gas stations, grocery stores, restaurants, Amazon.com, and more. You’ll earn the elevated rate on up to $1,500 in combined purchases each quarter when you activate. These categories are selected to match where people commonly spend, helping you get the most out of your card without changing your habits. It’s a powerful way to boost your rewards by simply using the card where you already shop.
Even when you’re not spending in a 5% rotating category, the Discover it® Card still rewards you with 1% unlimited cashback on all other purchases. That means every transaction—from your morning coffee to your streaming subscriptions—earns rewards automatically. There’s no minimum spending requirement or cap on how much 1% cashback you can earn. This steady earning structure makes the card ideal for daily use, providing consistent value across all spending categories. Every purchase works for you, regardless of where or when you use the card.
One of the standout features of the Discover it® Card is the Cashback Match: at the end of your first year, Discover automatically matches all the cashback you’ve earned—dollar for dollar. If you’ve earned $300 in cashback, they’ll double it to $600. There’s no limit to how much you can earn or match, and no need to sign up for the offer—it happens automatically. This makes your first year with the card incredibly valuable, especially if you take full advantage of the 5% categories.
With the Discover it® Cash Back Card, you can enjoy all the benefits and rewards without paying an annual fee. That means everything you earn through cashback goes right into your pocket—no cost to hold or use the card. It’s a great option for anyone looking to maximize value without the burden of extra charges. Whether you’re new to credit or just looking for a smart, fee-free rewards card, the Discover it® Card delivers real financial benefits at no yearly cost.
Discover It Card Overview
The Discover It Card is one of the best cashback credit cards on the market, offering robust rewards with no annual fee. Cardholders earn 5% cashback in rotating categories each quarter, which may include popular spending areas like groceries, gas stations, restaurants, and online shopping. These categories change every three months, allowing users to plan their spending to maximize rewards. Additionally, the card earns 1% cashback on all other purchases, making it a versatile choice for everyday transactions.
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What credit score is required to apply for the Discover It Card?
Typically, a good credit score (around 670 or higher) is required for approval, though some applicants with fair credit may also be considered.
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Does Discover charge foreign transaction fees?
No, the Discover It Card does not charge foreign transaction fees, making it a great choice for international travel.
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How does Cashback Match work?
Discover automatically matches all the cashback you’ve earned in your first year. There’s no cap on how much cashback can be matched.
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Are there rotating categories for cashback?
Yes, the Discover It Card offers 5% cashback in rotating categories each quarter, up to a maximum of $1,500 in purchases per quarter.
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Is there an annual fee for the Discover It Card?
No, the Discover It Card has no annual fee, making it a cost-effective option for earning cashback rewards.
How to Apply for the Discover It Card
Applying for the Discover It Card is a simple, quick process that can be done entirely online. Discover offers a pre-qualification tool that allows you to see if you’re eligible for the card without affecting your credit score. Once your application is submitted, Discover typically responds within minutes with an approval decision. If approved, you’ll receive your card in the mail within 5-7 business days.