Offer verified 2026-04-09Source: Discover official terms
Discover · Discover
Discover it Cash Back
36 / 100
Annual Fee
$0
Sign-Up Bonus
$200
Terms apply.
Base Rate
1x
on everything
Best For
First card or students — no fee, rotating 5% categories
Reward Categories
rotating
5xQuarterly categories
Cap: $6,000/yr
Everything else1x
Key Benefits
Cashback Match (Year 1)(~$200/yr)
Free FICO Score(~$25/yr)
No Foreign Transaction Fees(~$50/yr)
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
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Recommended credit score: 650+
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