Read about the Discover it card
With a host of appealing benefits and no annual fee, it’s an excellent choice for those looking to maximize their savings while spending.
By: Us Finance More
Earn 5% on Bonus Categories
Get 5% cashback in categories that rotate quarterly, such as groceries, gas, and restaurants—up to the set limit. Great for boosting rewards on everyday spending.
1% Back on All Other Purchases
Earn unlimited 1% cashback on all other purchases, automatically applied—no categories to track or caps to worry about.
Zero Annual Fee
Enjoy all the card benefits without paying any annual fee, allowing you to keep more of what you earn.
First Year Cashback Match
At the end of your first year, Discover will match all the cashback you’ve earned—doubling your rewards automatically.
Why Choose the Discover it® Cash Back Card
The Discover it® Cash Back Card is a powerful tool for those who want to earn while they spend. With 5% cashback on rotating categories and 1% on all other purchases, it offers flexibility and high value. You won’t pay an annual fee, and your first year’s cashback is automatically doubled. Whether you’re grocery shopping or filling up your tank, this card turns everyday expenses into real rewards.
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How do rotating cashback categories work?
Each quarter, Discover announces new 5% categories. Just activate them in your account to earn bonus rewards on those purchases.
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Is there a limit to the 5% cashback?
Yes. The 5% rate applies up to a quarterly maximum. Once you reach the cap, you’ll still earn 1% on those purchases.
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Is the cashback really doubled in the first year?
Yes. Discover automatically matches all cashback you earn in your first year—there’s no signup required.
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What credit score is required for approval?
Applicants with good to excellent credit are most likely to be approved. Final approval depends on your credit history.
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Can I use the card abroad?
Yes. Discover is accepted in many countries, but availability may vary. Always check with the merchant beforehand.
How to Apply for Your Discover it® Card
Applying is quick and secure. Visit Discover’s official website, complete the online form with your personal and financial details, and submit. Most applicants receive a decision in minutes. Once approved, your card will arrive by mail and you can begin earning cashback immediately. It’s a hassle-free way to unlock smarter spending.