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Discover it Cash Back review
Best for: Deal-hunters who'll activate the rotating 5% categories.
The rotating-category classic: 5% back in quarterly categories, a first-year Cashback Match that doubles everything, and no annual or foreign transaction fees — now gaining new Capital One perks.
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Annual fee
$0
Rewards
5% in rotating quarterly categories on up to $1,500/quarter (activation required); 1% on everything else
Intro APR
0% for 15 months (purchases and balance transfers)
Regular APR
17.49%–26.49% variable
Welcome offer
Cashback Match — Discover matches all cash back earned in year 1, no cap
Foreign transaction fee
None
Standout features
- Cashback Match effectively doubles year-1 rewards — 10% in bonus categories.
- $0 annual fee and no foreign transaction fees; rewards never expire.
- New Capital One benefits being layered on: up to 15% via Capital One Offers and 5% via Capital One Travel/Entertainment (Sep 2026).
Honest drawbacks
- 5% categories need manual quarterly activation — miss it and you earn 1%.
- $1,500/quarter spending cap ($75 max back per quarter).
- Accounts are migrating to Capital One's platform through early 2027 — you'll need to set up a Capital One account.
Visit Discover it Cash Back →
Link goes directly to Discover it Cash Back's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Discover it card (official) (checked Sep 2026)
- Motley Fool: Discover it Cash Back review (checked Sep 2026)
- The Points Guy: Discover cards move to Capital One (checked Sep 2026)
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