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The Discover it® Cash Back card is one of the most recognized cashback credit cards in the U.S. for its rotating bonus categories. It gives cardholders 5% cashback on select categories that change every quarter, such as gas, grocery stores, restaurants, or Amazon.com purchases.
The Discover it® Cash Back is built for consumers who want strong cashback potential in everyday spending categories. While it requires activation each quarter, its combination of bonus rewards, solid base rate, and customer-friendly policies makes it one of the most rewarding cards in its segment.
What Is The Discover it® Cash Back?
This card is a cashback product issued by Discover Bank. Its main attraction is the 5% cashback on rotating categories, which are announced yearly. Popular categories often include supermarkets, gas stations, PayPal purchases, and streaming services.
Every other purchase earns 1% cashback, ensuring that you always receive rewards no matter what you buy. Discover also doubles all cashback earned in your first year through its Cashback Match™, effectively turning 5% into 10% and 1% into 2% for the first 12 months.
ENJOY CASHBACK IN EVERYDAY CATEGORIESMain Benefits
- 💳 5% cashback on rotating categories (up to the quarterly limit, with activation required)
- 🛒 1% cashback on all other purchases
- 💵 Cashback Match™ doubles your rewards in the first year
- 💸 No annual fee
- 📲 Easy redemption options: statement credits, deposits, gift cards, or Amazon checkout with points
- 🔒 Security features like freeze-it, fraud alerts, and free FICO® credit score access
Who Can Apply
The Discover it® Cash Back is available to U.S. residents with good to excellent credit. Applicants must provide personal and financial information for approval. Since it’s a mainstream cashback card, Discover typically approves applicants with a consistent payment history and a moderate-to-strong credit profile.
Fees And Rates
The card has no annual fee but comes with standard charges:
ENJOY CASHBACK IN EVERYDAY CATEGORIES- 💰 Variable APR based on creditworthiness
- 💸 Balance transfer fee
- 🌍 Foreign transaction fee (less convenient for international travel)
- 💵 Cash advance fees
How Cashback Works
- Activate the 5% categories each quarter through the Discover app or website.
- Use the card in those categories to earn 5% cashback (up to the quarterly cap).
- Earn 1% cashback on all other purchases.
- Redeem rewards at any time with no minimum.
In the first year, Discover’s Cashback Match™ automatically doubles everything you’ve earned, without needing to sign up.
Why It Stands Out
Compared to flat-rate cashback cards, the Discover it® Cash Back shines for users who plan around its rotating categories. The Cashback Match™ in the first year gives it one of the highest potential reward rates available.
It may not be the best choice for heavy international travelers due to foreign transaction fees, but for U.S.-based consumers who shop in common categories, it offers excellent value.
ENJOY CASHBACK IN EVERYDAY CATEGORIESFAQ – Frequently Asked Questions
1. Does the Discover it® Cash Back have an annual fee?
No, there is no annual fee.
2. How do the 5% categories work?
They rotate every quarter, require activation, and have spending caps.
3. Do I earn rewards outside of the 5% categories?
Yes, you get 1% unlimited cashback on all other purchases.
4. What is Cashback Match™?
Discover doubles all cashback you earn in your first year.
5. How do I activate the 5% categories?
Via the Discover app, website, or email reminders.
6. Can I redeem cashback anytime?
Yes, with no minimum redemption.
7. Does cashback expire?
No, as long as your account is active.
8. What credit score do I need?
Good to excellent credit improves your chances.
9. Does the card have foreign transaction fees?
Yes, so it’s not ideal for use abroad.
10. Can I get free credit score access?
Yes, Discover provides your FICO® Score for free.
Conclusion
The Discover it® Cash Back is one of the most competitive cashback cards for consumers who want flexibility and high rewards in rotating categories. Its 5% quarterly bonuses make it possible to maximize earnings on everyday spending if you plan ahead.
The Cashback Match™ during the first year is an industry-leading perk, effectively doubling your earnings without requiring extra effort. This makes it especially attractive for new cardholders looking for maximum return.
Overall, the card is ideal for disciplined spenders who don’t mind activating categories and want strong long-term value with no annual fee. For everyday U.S. use, it remains one of the most rewarding cashback options on the market.