Skip to content
Clinchmark

Discover · Credit cards

Discover it Cash Back

No-annual-fee rewards card offering 5% cash back in quarterly rotating categories, 1% on all other purchases, and an unlimited dollar-for-dollar Cashback Match in your first year.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0

Rewards rate

5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases

What it does well

  • 5% cash back on quarterly rotating categories (grocery stores, restaurants, gas, Amazon.com) up to $1,500 with activation
  • Unlimited Cashback Match: Discover automatically doubles all cash back earned at the end of your first year
  • No annual fee, no foreign transaction fees, and free FICO Credit Scorecard

Where it gives ground

  • Requires quarterly category activation
  • 5% bonus rate is capped at $1,500 quarterly spend (then 1%)

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

Blue Cash Preferred Card from American Express

$95/yr

Discover it Cash Back

$0/yr

Discover leads on 3 of 5 rankable specs and charges less a year.

See the breakdown
Credit cards8 differing specs

American Express Gold Card

$325/yr

Discover it Cash Back

$0/yr

Discover leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards9 differing specs

The Platinum Card from American Express

$695/yr

Discover it Cash Back

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Bilt World Elite Mastercard

$0/yr

Discover it Cash Back

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
17.24% – 28.24% Variable APR
Foreign transaction fee
None (0%)
Late fee
None on first late payment, then up to $41

Rewards & Perks

Rewards rate
5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases
Sign-up bonus
Cashback Match: Discover will automatically match all cash back you earn at the end of your first year with no minimum or limit
Intro APR offer
0% intro APR for 15 months on purchases and balance transfers
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Discover Network
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Discover it Cash Back terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Other credit cards we track

Citi

Citi Double Cash Card

$0/yr

CompareSpecs

Chase

Chase Freedom Unlimited

$0/yr

CompareSpecs

Capital One

Capital One SavorOne Cash Rewards

$0/yr

CompareSpecs

Bilt

Bilt World Elite Mastercard

$0/yr

CompareSpecs

Chase

Chase Freedom Flex

$0/yr

CompareSpecs

Wells Fargo

Wells Fargo Active Cash Card

$0/yr

CompareSpecs

Frequently asked

How much does Discover it Cash Back cost?

Discover it Cash Back has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Discover it Cash Back’s key specs?

Key specifications for Discover it Cash Back include annual fee ($0) and rewards rate (5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases).

What does Discover it Cash Back compare against?

Discover it Cash Back is compared head to head against Blue Cash Preferred Card from American Express vs Discover it Cash Back, American Express Gold Card vs Discover it Cash Back, The Platinum Card from American Express vs Discover it Cash Back, Bilt World Elite Mastercard vs Discover it Cash Back, Capital One SavorOne Cash Rewards vs Discover it Cash Back, and Capital One Venture Rewards Credit Card vs Discover it Cash Back.