The Discover it Cash Back Card

If a no-annual-fee card with fun, rotating rewards and a killer first-year bonus sounds like a great fit, the Discover it Cash Back card is tough to beat.

CREDIT CARD

Discover it Cash Back

Cash Back No Annual Fee

SEE HOW TO APPLY You will remain on the current site

The Discover it Cash Back card is made for people whose spending naturally changes throughout the year—because life isn’t one-size-fits-all. Maybe you’re filling up the tank more often in the summer, clicking “add to cart” during the holidays, or stocking up on groceries during spring cleaning. Whatever the season brings, this card keeps up with you, offering rewards that match your lifestyle in the moment. It’s a down-to-earth way to turn everyday purchases into real cash back.

A Fun Way to Earn Serious Cash Back with the Discover it Card

Why You’ll Love This Card

This card is packed with genuinely useful features that feel like a smart money hack:

• New Rewards Every Few Months: This is where the fun comes in. Every three months, you get to earn a huge 5% cash back in new categories like grocery stores, restaurants, gas stations, or on Amazon.com (up to $1,500 in spending each quarter you activate). It keeps earning rewards interesting!
• Your First-Year Bonus is a Game-Changer: Get ready for this, because it’s amazing. At the end of your first year, Discover will automatically double all the cash back you’ve earned. All of it. No limits. So if you earn $300, they’ll turn it into $600. That means your 5% categories effectively become 10% back for a whole year.
• A Break from Interest: Planning a big purchase or want to tackle some existing card debt? The card gives you a 0% introductory APR for 15 months on both purchases and balance transfers. It’s a long breathing period to help you get ahead without interest piling up.
• Simple, Friendly Terms: On top of everything, there’s no annual fee. And if you happen to be late on a payment once, they’ll waive the first late fee. It’s a card that feels like it’s on your side.

A Few Quick Tips to Make It Work for You

This card is fantastic, but it works best when you know the secrets:

• Don’t Forget to “Turn On” Your Rewards: This is the key! The 5% categories don’t apply automatically. You have to take a quick second to activate them online or in the app each quarter. Set a reminder on your phone so you don’t miss out.
• Know the 5% Spending Cap: The awesome 5% rate applies to the first $1,500 you spend in the bonus categories each quarter. After that, and on all other purchases, you still earn a solid 1% back.

Is This Your Kind of Card?

If you get a little thrill from maximizing rewards and you’re organized enough to activate new categories every few months, you’ll have a blast with this card. It’s perfect for anyone whose spending lines up with everyday things like groceries, gas, and restaurants. And with that first-year Cashback Match, it’s one of the most rewarding ways to start earning serious cash back.