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Read moreDiscover it® Cash Back review
A no-annual-fee card with 5% cash back on categories that change every quarter, and a match of all the cash back you earn in the first year. Here is how it compares.
Money Mindly is independent. We may earn a commission when you apply through our links, but that doesn't affect our analysis. Rates and terms come from the issuer's site and can change.
The bottom line
Rates and fees
- Regular APR: 17.49% to 26.49% variable, based on your credit
- Intro APR: 0% for 15 months on purchases and balance transfers
- Balance transfer fee applies
- Annual fee: $0
- See the official terms from Discover
More details
- Now issued by Capital One under the Discover brand
- Free CreditWise monitoring and dark web alerts for your SSN
- Card lock in the mobile app
- Virtual card for immediate use, if eligible
Pros and cons
Pros
5% on rotating quarterly categories, up to the quarterly maximum
Unlimited Cashback Match at the end of year one
Lowest regular APR floor in this comparison
0% intro APR for 15 months
Cons
You must activate the 5% categories every quarter
1% on purchases outside the categories
5% earnings are capped each quarter
Detailed review
Discover it Cash Back pays 5% on everyday purchases in categories that change each quarter, up to a quarterly maximum when you activate, and 1% on everything else.
At the end of your first year, Discover automatically matches all the cash back you earned, with no limit. The card also offers 0% intro APR for 15 months on purchases and balance transfers.
» MORE: Apply on the official Discover site
The basics
Card network: Discover
Rewards: 5% rotating categories, 1% on the rest
Welcome offer: Cashback Match in year one
Intro APR: 0% for 15 months
Annual fee: $0
How it compares
Discover it® Cash Back
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®Rates and terms from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is this card right for you?
Choose Discover it if you'll activate each quarter's categories and want to double your first-year cash back.
If you'd rather not think about categories, a flat-rate card is easier to use.
Don't want to track categories? Wells Fargo Active Cash pays a flat 2% on every purchase.
How to apply