Discover
Discover it® Cash Back
Cash back only
Annual fee
No annual fee
Welcome bonus
Cashback Match, all cash back earned in year 1 doubled
Min spend
No minimum
Recommended credit
Fair to Good (630+)
Rates and offer last verified June 5, 2026.
Earning rates
5% cash back on rotating quarterly categories (up to $1,500/qtr, then 1%)
1% on all other purchases
Unlimited Cashback Match, Discover doubles all cash back earned in your first year
Features & benefits
No annual fee, no foreign transaction fees
Free FICO® credit score on every statement
Freeze your account instantly via the app
$0 fraud liability guarantee
No late fee on your first late payment
Dark web monitoring and Social Security number alerts
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Discover it® Cash Back lands.
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