Discover
Discover it Cash Back
Discover
Discover it Cash Back
Last verified March 2026
Exceptional value with 5% rotating categories and a unique Cashback Match that doubles all rewards the first year.
No annual fee
16.49% – 27.49%
1% base rate
$300 value
Fair (580-669)
None
Q1 2025 bonus categories: Grocery stores & fitness clubs at 5%
Updated January 2025
Rewards Breakdown
5% rotating categories (quarterly), 1% everything else + first-year Cashback Match
| Category | Rate |
|---|---|
| Rotating Categories (quarterly)(Up to $1,500/quarter) | 5% |
| Everything else | 1% |
Sign-Up Bonus
Cashback Match — Discover matches ALL cash back earned in your first year
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 16.49% – 27.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $41 |
Pros & Cons
Customer Reviews
2,567 reviews
Cashback Match is incredible
Discover literally doubled all my cash back the first year. I earned about $350 and they matched it to $700. No other card does this.
My first and favorite card
Got this in college and still use it 5 years later. The 5% rotating categories keep things interesting and the app is excellent.
Great card, limited acceptance abroad
Love everything about this card except that Discover isn't as widely accepted internationally as Visa/MC. Always need a backup when traveling.