#15 overall · Cashback card
Discover it® Cash Back
Discover · Discover · Good credit required
Free
Annual fee
Match yr 1
Welcome bonus
$296
First-year value
$296
Ongoing/yr
Rewards rates
🛒
Groceries
$5700/yr avg spend
1x
+$57/yr
🍕
Dining & Takeout
$3000/yr avg spend
1x
+$30/yr
✈️
Travel & Hotels
$2040/yr avg spend
1x
+$20/yr
⛽
Gas & EV Charging
$2100/yr avg spend
5x
+$105/yr
📺
Streaming
$540/yr avg spend
1x
+$5/yr
🛍️
Everything Else
$7800/yr avg spend
1x
+$78/yr
Based on average US spending. Use your own spending →
✓ Pros
- ✓ 5% rotating quarterly categories
- ✓ Cashback Match™ first year
- ✓ No annual fee ever
- ✓ No foreign transaction fees
✗ Cons
- ✗ Low 1x earn rate on non-bonus spending
- ✗ Discover has limited international acceptance outside the US
Is the Discover it® Cash Back worth it?
Yes — there's no cost to hold it. Even if you only use it occasionally for gas, you're ahead. It makes an excellent secondary card.
Verdict: Strong value — earns well above its fee on typical spending.
Ready to apply?
Current offer: Cashback match at end of year 1
Apply for Discover it® Cash Back →You'll be directed to Discover's official application