Discover · Discover
Discover it Cash Back
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Terms apply.
Base Rate
1x
on everything
Best For
First card or students — no fee, rotating 5% categories
Reward Categories
Quarterly categories (up to $1,500/qtr)
Cap: $6,000/yr
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + Cashback match doubles first year
- + No annual fee
- + Good for building credit
- + US-based customer service
Cons
- - Discover less accepted
- - Must activate quarterly
- - $1,500 cap on 5%
Rates and fees may vary.See current rates, fees, and terms on Discover's site
Recommended credit score: 650+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.