DiscoverBest for Rotating categories
Discover it® Cash Back
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
Cashback Match
Regular APR
18.24%-28.24% Variable
Discover it® Cash Back
Discover it® Cash Back
5% rotating categories. Cashback Match at end of first year.
Our take
Earn 5% in rotating categories (up to quarterly cap). Discover matches all cash back at the end of your first year, effectively doubling rewards.
Highlights
What we like
Cashback Match doubles first-year earnings
5% rotating categories
The trade-off
Quarterly category activation required
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1%-5% |
| Rewards type | Cash back |
| Bonus categories | 5% on rotating |
| Welcome offer | Cashback Match |
| Offer requirements | All cash back matched at end of first year |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 18.24%-28.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
All cash back matched at end of first year
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Discover it® Cash Back