Card dossier
Discover it Cash Back
Issuer
Discover
Annual fee
$0
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Discover it Cash Back
Welcome Offer
Earn a $200 statement credit after $500 in purchases in the first 3 months, plus Discover automatically matches all the cash back you earn at the end of your first year.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Discover 2-card limit
Discover appears to allow a maximum of 2 credit cards per person, with a 12-month wait between new card approvals.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Rotating categories
5%
Up to $1,500 per quarter (activation required)
All other purchases
1%
Capital One Travel and Entertainment
5%
Starting with the Capital One platform migration for eligible cardholders: hotels, vacation rentals, rental cars, activities booked through Capital One Travel, plus Capital One Entertainment purchases.
Key benefits
5% rotating categories
Earn 5% cash back on up to $1,500 in purchases in rotating quarterly categories (activation required).
Cashback Match
Discover matches all the cash back you earn at the end of your first year, automatically.
$200 statement credit
Earn a $200 statement credit after $500 in purchases in the first 3 months from account opening.
No annual fee
$0 annual fee.
Capital One Travel & Entertainment 5%
Eligible migrated cardholders are expected to earn 5% back on select Capital One Travel bookings and Capital One Entertainment purchases.
Perks
No foreign transaction fees
0% foreign transaction fee on purchases.
Free FICO score
Access your FICO credit score for free on monthly statements.
Freeze it
Freeze your account in seconds to prevent new purchases, cash advances, and balance transfers.
Capital One Offers access
Eligible cardholders moving to the Capital One platform are expected to get access to Capital One Offers while the Discover brand/network continues.
Good fit for
About this card
The Discover it Cash Back is a no-annual-fee rotating-category cash back card. New cardholders can earn a $200 statement credit after $500 in purchases in the first 3 months, plus Discover's first-year Cashback Match.
Best for
anyone wanting simple cash back
Key considerations
No annual fee makes this easy to keep long-term. The upfront $200 statement-credit bonus has Discover new-cardmember bonus restrictions, while Cashback Match continues to depend on how much cash back you earn during the first year.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the Discover it Cash Back awards 200 $ statement credit + first-year Cashback Match after spending $500 within 90 days of account opening.
Annual fee value
The Discover it Cash Back has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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