Discover it Cash Back
Rotating-category optimizers; first card for thin-credit-file applicants
External link to Discover’s own application page.
The Discover it Cash Back has no annual fee. It earns 5% on shopping and 1% on everything else. Forex markup is 1%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Discover it Cash Back actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Discover it Cash Back earn?
What you earn back, by category.
Cashback Match, Discover doubles your first-year cashback automatically
What do you get with the Discover it Cash Back?
- 5% cashback on rotating quarterly categories (Amazon, gas, restaurants, grocery)
- 1% cashback on everything else
- Cashback Match: Discover matches all cash back earned in your first year
- No annual fee
- Free FICO score on every statement
- No foreign transaction fees
Who qualifies for the Discover it Cash Back?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What people say about the Discover it Cash Back
Real answers from readers. No login, and nothing here affects our scores.
Discover it Cash Back FAQ
›What is the Discover it Cash Back annual fee?
The Discover it Cash Back has no annual fee.
›What does the Discover it Cash Back earn?
It earns 5% on shopping and 1% on everything else.
›What is the Discover it Cash Back forex markup?
The Discover it Cash Back charges 1% forex markup on foreign-currency spends.
›What income do you need for the Discover it Cash Back?
Discover publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the Discover it Cash Back welcome bonus?
Cashback Match, Discover doubles your first-year cashback automatically.
›Are these Discover it Cash Back figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
