The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Limited-Time Offer
Earn Unlimited Cashback Match™ + $200
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening.
1 - 5% cash-back
$0
18.74% - 28.74% (Variable)
Excellent, Good
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. At the end of the first cardmember year, Discover automatically matches all the cash back earned, with no limit on the match. (Partner offer)
Read the full reviewStrategic spenders and cash-back fans who don't mind keeping track of and activating bonus categories each quarter. The card is particularly useful for those whose spending regularly aligns with Discover’s rotating 5% cash-back categories, which can include grocery stores, wholesale clubs, gas stations, restaurants, home improvement stores and more.
Cardmembers earn 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter after activation. Purchases in those categories above the quarterly cap, as well as all other purchases, earn 1% cash back. At the end of the first cardmember year, Discover automatically matches all the cash back you've earned, with no limit on the match.
Rewards rates
Intro offer
Limited-Time Offer
Earn Unlimited Cashback Match™ + $200
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening.
Introductory purchases APR
0% intro on purchases for 15 months
Ongoing purchases APR
18.74% - 28.74% (Variable)
Introductory balance transfer APR
0% intro on balance transfers for 15 months
Ongoing balance transfer APR
18.74% - 28.74% (Variable)
Ongoing cash advance APR
28.74% (Variable)
Ongoing penalty APR
None
Annual fee
$0
Recommended credit
More details
More details