Discover it Cash Back

Name: Discover it Cash Back
Brand: Discover
Rating: 4.5 (50 reviews)

Rotating-category optimizers; first card for thin-credit-file applicants

4.5 / 5

Joining fee

Annual fee

Top reward

Min income

None stated

Apply at Discover ← Back to all cards

External link to Discover’s own application page.

The Discover it Cash Back has no annual fee. It earns 5% on shopping and 1% on everything else. Forex markup is 1%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Discover it Cash Back actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$408

Annual feeNo fee

Cumulative net value

+$2,040

over 5 years

Year 1

$408

+$408/yr

Year 2

$816

+$408/yr

Year 3

$1,224

+$408/yr

Year 4

$1,632

+$408/yr

Year 5

$2,040

+$408/yr

Year 1 (with bonus)

$408

Year 2+ (steady state)

$408/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Discover it Cash Back earn?

What you earn back, by category.

shopping

On up to $1,500 spend per quarter (cap terms unverified)

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Everything else

📈

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Welcome bonus

Cashback Match, Discover doubles your first-year cashback automatically

What do you get with the Discover it Cash Back?

5% cashback on rotating quarterly categories (Amazon, gas, restaurants, grocery)
1% cashback on everything else
Cashback Match: Discover matches all cash back earned in your first year
No annual fee
Free FICO score on every statement
No foreign transaction fees