Discover it® Cash Back Card
5% Cash Back in Quarterly Categories and No Annual Fee
Por: Nilo Trip
The Discover it® Cash Back Card is designed for smart shoppers who enjoy earning rewards on everyday spending. With 5% cash back in rotating quarterly categories — up to $75 per quarter after spending $1,500 — and 1% unlimited cash back on all other purchases, this card offers an excellent balance between high rewards and simplicity. It is an ideal option for users who like tracking categories and maximizing returns without paying an annual fee.
thumb_up Know the Benefits
Perfect for category-savvy spenders who want to maximize rewards, the Discover it® Cash Back Card delivers strong earning potential combined with valuable protections and no annual fee. It is a great choice for beginners and experienced users alike.
- done 5% cash back in rotating categories, 1% on all other purchases.
- done Cash back match in the first year, doubling your rewards.
- done No annual fee, making it affordable for any user.
- done Free credit score monitoring and fraud protection.
thumb_down Understand the Drawbacks
While Discover It Cash Back offers excellent rewards, there are a few factors to consider.
- close Requires activation of rotating categories each quarter.
- close The 1% cash back on non-category purchases may be lower than competitors.
- close Not ideal for international travel due to foreign transaction fees.
help How to Apply for the Discover It Cash Back Card
The Discover It Cash Back Card application process is simple and can be completed online.
- Go to the Discover website.
- Find the Cash Back Card page and click “Apply Now.”
- Fill out your personal information and financial details.
- Review the terms and conditions before submitting.
- Submit your application for approval.
- If approved, receive your card in the mail and start earning rewards.