Discover it® Cash Back
Rotating 5% quarterly categories (activation and caps apply); 1% on everything else.
Card details reviewed October 2, 2026. Confirm everything on the issuer site.
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Key facts
| Annual fee band | $0 |
|---|---|
| Welcome offer | Check current offer on issuer site |
| APR and any intro APR | Check current terms on issuer site (see "Rates & Fees") |
| Credit typically targeted | Good, Excellent (a guide only, not a guarantee of approval) |
| Rewards type | Cash back |
| Foreign transaction fee | None |
| Bonus category caps | Yes |
| Network | Discover |
| Card for | Personal |
Who it may fit
- Earn cash back
Features
Pros
- High rotating bonus
- No annual fee
- No foreign transaction fee
Cons
- Quarterly activation and tracking
- Acceptance gaps outside the US
Watch out for
- Activation and quarterly caps.
- Discover acceptance can be thinner, especially abroad.
- Any first-year match offer changes. Check the issuer.