Discover · Personal
Discover It Cash Back
A no-annual-fee card earning cash back: 5× on Quarterly Categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 5×Quarterly Categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Bonus terms: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match. If you earn $150 cash back, we’ll give you another $150
Earning structure
2 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Quarterly Categories Cap $1,500 / 3 moNotesOn everyday purchases on select categories each quarter up to the quarterly maximum ($1,500) when you activate. | 5× | $5.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Discover
- Bank
- Discover
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
Alternatives
Head to head with similar cards
 Discover It Cash Back |  Discover It Chrome Gas & Restaurant |  Discover It Miles |  Associated Bank Max Cash Preferred | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | None | None | $150 |
| Top rate | 5×Quarterly Categories | 2×Dining, Gas Stations | 1.5×All Other | 5×Quarterly Categories |
| Travel value * | –Cash back | –Cash back | 1¢Discover IT Miles | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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