Last updated: 5/10/2021

Discover it Cash Back

Earns: Cash Back

GigaTake:

If you don’t mind activating and paying attention to quarterly bonus categories, the 5x points you get can really add up. The Chase Freedom has a very similar structure if you prefer a Visa.

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the Discover it Cash Back compares to other credit cards

Discover it Cash Back Other Cards


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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 0

Value = 1 cent per point
Effective Value = $0

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$0 Cash Back
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
1% All Spending

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate.

Get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

INTRO APR FOR PURCHASES 0% for 14 months
INTRO APR FOR BALANCE TRANSFERS 0% for 14 months
PURCHASES APR 11.99% to 22.99%
BALANCE TRANSFER APR 11.99% to 22.99%
BALANCE TRANSFER FEE 5%
CASH ADVANCE APR 24.99%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS None the first time you pay late. After that, up to $40.
FOREIGN TRANSACTION FEE 100%