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}}

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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

Rewards

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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

Welcome Bonus = 0

Value = 1 cent per point
Effective Value = $0

$1800

Annual Fee = $0

$995

Welcome Bonus

$0 Cash Back

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

1% All Spending

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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

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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.

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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%