Discover it® Cash Back 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Discover it® Cash Back4.0/5

Discover

Annual fee
$0
Rewards rate
5%-1%
Welcome Bonus
Unlimited Cashback Match
Apply Now →on Discover's website
Regular APR:17.49%-26.49% Variable APR

  • 5%Cash back on rotating quarterly categories
  • 1%Cash back on all other purchases

Welcome Bonus:

Discover automatically matches all the cash back you earn in your first year.

Reward Rate:

Earn 5% cash back on rotating quarterly categories (up to $1,500) and 1% on all other purchases.

APR:

17.49%-26.49% Variable APR

The Discover it Cash Back card is particularly appealing for those who can maximize the rotating categories, offering a unique cash back match in the first year that can significantly enhance rewards.

Pros:

  • First-year cash back match
  • No annual fee

Cons:

  • Requires activation for bonus categories
  • Limited to quarterly categories
Apply now →

The Discover it® Cash Back card is well-suited for consumers who are adept at managing spending within the card's rotating categories and can benefit from the first-year cash back match. With no annual fee and a competitive rewards structure, it is particularly advantageous for individuals seeking to maximize their cash back earnings while maintaining flexibility in their spending habits.

Frequently Asked Questions