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.
Unlimited Cashback Match™
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
1 - 5% cash-back
$0
17.74% - 26.74% Variable APR
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.
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
Unlimited Cashback Match™
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Introductory Purchases APR
0% Intro APR for 15 months
Ongoing Purchases APR
17.74% - 26.74% Variable APR
Introductory Balance Transfer APR
0% Intro APR for 15 months; balance transfer fee applies
Ongoing Balance Transfer APR
17.74% - 26.74% Variable APR
Ongoing Cash Advance APR
28.74% Variable APR
Annual Fee
$0
Recommended Credit
More Details