If you’re looking to maximize rewards without paying an annual fee, the Discover it® Cash Back is one of the best options disponíveis. Com 5% de cashback em categorias rotativas ativadas a cada trimestre e um programa exclusivo de Cashback Match™ no primeiro ano, este cartão entrega valor real para quem gasta estrategicamente.
What is the Discover it® Cash Back Card?
The Discover it® Cash Back is a no-annual-fee cash back credit card that offers elevated rewards in quarterly rotating categories (like gas, grocery, Amazon, restaurants) — plus unlimited 1% back on everything else. What makes it stand out is Discover’s Cashback Match™, which dobra todos os seus ganhos no primeiro ano automaticamente.
Key Features and Benefits of the Discover it® Cash Back
1. 5% Cash Back on Rotating Categories
Earn 5% cash back on up to $1,500 in combined purchases each quarter in activated categories. Past categories have included:
- Grocery stores
- Gas stations
- Restaurants
- Amazon.com
- Digital wallets (Apple Pay, Google Pay)
- Streaming services and more
You must activate each quarter, but activation is quick and free via app, email, or website.
2. 1% Unlimited Cash Back on Everything Else
Earn 1% cash back automatically on all other purchases, with no limits and no categories to track.
3. Cashback Match™ – Double Your Rewards in Year One
At the end of your first year, Discover will automatically match all the cash back you’ve earned — dollar for dollar.
- Earn $300? Get another $300.
- There’s no cap and no opt-in required.
This makes the effective first-year rate up to 10% in rotating categories and 2% on everything else.
4. $0 Annual Fee
There’s no annual fee, making this an excellent long-term rewards card with zero maintenance cost.
5. Flexible Redemption Options
Redeem your cash back anytime, for any amount:
- Statement credit or direct deposit
- Gift cards (often with bonuses)
- Pay with cash back at Amazon.com or with PayPal
Rewards never expire as long as your account is open and in good standing.
6. 0% Intro APR Offer
- 0% APR on purchases for the first 15 months
- 0% APR on balance transfers for 15 months (then variable APR applies)
- Balance transfer fee applies (currently 3% for intro transfers)
Great for large purchases or managing existing debt without interest.
7. Real-Time Security and Smart Features
- Freeze it®: Instantly lock your card via app if lost or stolen
- $0 Fraud Liability on unauthorized purchases
- Free FICO® Score access
- Dark Web Monitoring and account alerts included
8. U.S.-Based Customer Service (24/7)
Discover is consistently ranked high for customer satisfaction, and all service reps are based in the U.S.
Important Considerations Before Applying
- You must activate 5% categories each quarter to receive the bonus rate — otherwise, you’ll earn just 1%.
- Quarterly cap of $1,500 applies to 5% categories — after that, you earn 1%.
- Not ideal for international travel: The card charges foreign transaction fees, and Discover’s global acceptance is limited outside the U.S. compared to Visa or Mastercard.
- No welcome cash bonus, but Cashback Match™ is usually far more valuable for first-year cardholders.
How to Apply for the Discover it® Cash Back Card
1. Visit discover.com
Find the Discover it® Cash Back page under “Credit Cards.”
2. Review the Categories and Terms
Check the current and upcoming 5% categories, and confirm the APR and fees.
3. Click “Apply Now”
Submit your secure application with personal, financial, and housing info.
4. Receive a Decision
Most applicants get instant approval, and the card typically arrives within 5–7 business days.
Conclusion: Is the Discover it® Cash Back Card Worth It?
Absolutely — especially for strategic spenders who want top-tier rewards without paying a fee.
With 5% in rotating categories, 1% on everything else, and double rewards in the first year, the Discover it® Cash Back is an excellent choice for:
- New cardholders maximizing first-year returns
- People who plan their spending around category bonuses
- Anyone looking for a reliable, no-fee cash back card for the long haul
Apply Now and double your cash back on every purchase in your first year — no tricks, just unmatched value.
