{"id":119780,"date":"2023-11-07T18:00:11","date_gmt":"2023-11-07T18:00:11","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=119780"},"modified":"2026-04-08T13:50:26","modified_gmt":"2026-04-08T13:50:26","slug":"discover-it-cash-back-review","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/","title":{"rendered":"Discover it Cash Back Card Review: Worth the Effort for Bonus Earnings"},"content":{"rendered":"<p>The <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a> offers excellent cash-back earning opportunities, particularly in the first year. Additionally, it has one of the best introductory annual percent rate (APR) offers on the market, making it an ideal choice for financing large purchases that you need some time to pay off.<\/p>\n<p>The Discover it Cash card also offers different 5% categories every quarter, giving this card unique opportunities for maximum value in various categories throughout the year. All cash back earned in the first year is doubled upon the first cardmember anniversary. With some outside-the-box thinking, learn how this card can benefit you.<\/p>\n<p><div class=\"qs-card\" data-id=\"2000151\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/18ca107e-1f31-465e-b9e7-1b83fe89e492.png\" width=\"150\" alt=\"Discover it\u00ae Cash Back\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/blog\/cards\/DiscoverCash\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DiscoverCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"Discover_it_Cash_Back_Pros\">Discover it Cash Back Pros<\/span><\/h2>\n<ul>\n<li>Rotating 5% cash back categories each quarter provide opportunities for bonus earnings.<\/li>\n<li>Cash back is matched at the end of your first year as a cardholder.<\/li>\n<li>No annual fee or foreign transaction fee.<\/li>\n<li>Generous introductory APR period.<\/li>\n<\/ul>\n<h2><span id=\"Discover_it_Cash_Back_Cons\">Discover it Cash Back Cons<\/span><\/h2>\n<ul>\n<li>Only earns 1% cash back on purchases outside the 5% rotating categories.<\/li>\n<li>5% category earnings are capped at $1,500 of spending per quarter.<\/li>\n<li>Card may not be accepted by all merchants.<\/li>\n<\/ul>\n<figure id=\"attachment_121712\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-121712 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Anete-Lusina-Pexels-credit-card-featured-300x240.png\" alt=\"a person looks at a smart phone while holding a Discover it Cash Back Card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Anete-Lusina-Pexels-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Anete-Lusina-Pexels-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Anete-Lusina-Pexels-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Anete-Lusina-Pexels-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Discover_it_Cash_Back_Welcome_Offer\">Discover it Cash Back Welcome Offer<\/span><\/h2>\n<p>This card does not offer a traditional <a target=\"_blank\" href=\"\/credit-cards\/sign-up-bonus\/\" rel=\"noopener\">sign-up bonus<\/a> or welcome offer like &#8220;spend this amount, get a bonus of $500.&#8221; Instead, cardholders receive an unlimited dollar-for-dollar match of all the cash back earned during the first year, effectively doubling the earnings to 10% for 5% category purchases and 2% for all other purchases. This can be very valuable for everyday spending during the first year of card membership.<\/p>\n<p>Specifically, this applies to your first 12 consecutive billing periods or 365 days from account opening, whichever is longer. And it's worth noting that the match applies to all of your earnings; if you redeem rewards throughout the year, that won't decrease the matched cash back you receive. It applies to your earnings, not just what's left over at the end.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">Best Rewards Credit Card Offers This Month<\/a><\/strong><\/p>\n<h2><span id=\"Discover_it_Cash_Back_Earning_Rates\">Discover it Cash Back Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a><strong>\u00a0<\/strong>earns 5% cash back in different categories that rotate every quarter. There is a maximum of $1,500 of spending per quarter in this category; other purchases earn 1% cash back.<\/p>\n<p>Plus, cardholders automatically receive an unlimited dollar-for-dollar match of all the cash back earned during the first year. This makes non-bonused spending get an effective 2% return during that time.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/news\/cash-back\/discover-cashback-calendar\/\" rel=\"noopener\">Current Discover 5% Cash Back Bonus Categories<\/a><\/strong><\/p>\n<h2><span id=\"Discover_it_Cash_Back_Benefits\">Discover it Cash Back Benefits<\/span><\/h2>\n<h3><span id=\"Introductory_APR_offer\">Introductory APR offer<\/span><\/h3>\n<p>New cardholders can take advantage of two introductory APR offers to help them avoid interest while paying off large purchases or paying down credit card debt from other credit cards. The introductory APR offer works like this:<\/p>\n<ul>\n<li>0% introductory APR on purchases for 15 months.<\/li>\n<li>0% introductory APR on balance transfers for 15 months.<\/li>\n<li>There is a 3% balance transfer fee for balance transfers completed by July 10, 2026; after this, the balance transfer fee is 5%.<\/li>\n<li>After the introductory period ends, you'll have\u00a0a Variable APR of 17.24% - 28.24%.<\/li>\n<\/ul>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">Best $0 Annual Fee Credit Cards with 0% Intro APR<\/a><\/strong><\/p>\n<h3><span id=\"Free_access_to_FICO_credit_score\">Free access to FICO credit score<\/span><\/h3>\n<p>You can obtain a free FICO credit score as a cardholder. This helps you keep an eye on your <a target=\"_blank\" href=\"\/credit-cards\/tips-managing-credit-score\/\" rel=\"noopener\">credit score<\/a> and check for any issues with your credit report.<\/p>\n<h3><span id=\"No_foreign_transaction_fees_or_annual_fees\">No foreign transaction fees or annual fees<\/span><\/h3>\n<p>Typically, you'll pay one or the other of these fees. Cards without annual fees don't tend to be good for international travel, as they often charge <a target=\"_blank\" href=\"\/credit-cards\/no-foreign-transaction-fee\/\" rel=\"noopener\">foreign transaction fees<\/a>. Conversely, cards that don't levy these fees tend to have an annual fee. With the Discover it Cash, you won't pay an annual fee and won't pay fees for making purchases in other countries or other currencies.<\/p>\n<figure id=\"attachment_113395\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-113395 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/blake-wisz-unsplash-overhead-pay-by-mobile-wallet-featured-300x240.png\" alt=\"overhead view of a person paying by mobile wallet at a cash register\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/blake-wisz-unsplash-overhead-pay-by-mobile-wallet-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/blake-wisz-unsplash-overhead-pay-by-mobile-wallet-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/blake-wisz-unsplash-overhead-pay-by-mobile-wallet-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/blake-wisz-unsplash-overhead-pay-by-mobile-wallet-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Blake Wisz\/Unsplash<\/em><\/enter><\/figure>\n<div class=\"cmp-text \">\n<h2><span id=\"Redeeming_Cash_Back_From_the_Discover_it_Cash_Back_Card\">Redeeming Cash Back From the Discover it Cash Back Card<\/span><\/h2>\n<p>Cardholders can redeem cash back in various ways. Cash-back rewards can be redeemed either directly for a statement credit or deposited into an eligible checking or savings account that you designate, which will be available within three business days. Rewards can be used to pay for purchases on Amazon.com and PayPal. Additionally, cash-back rewards can be redeemed as a charitable donation.<\/p>\n<p>Cash-back rewards can be redeemed for physical or electronic gift cards at a variety of merchants, with a discount of up to 20% at some merchants. Most physical gift cards arrive within 7\u201310 business days, but the terms say it could take up to three weeks. All eCertificates and gift cards are subject to a minimum redemption amount.<\/p>\n<p>The gift card option can be a great way to extract extra value. If you have an upcoming purchase with your card that would earn just 1% back, see if there's an available gift card from Discover for that same business. You'd save money by going this route, thanks to the discount on the gift card.<\/p>\n<p>Luckily, <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/does-discover-cashback-expire\/\" rel=\"noopener\">Discover cash back doesn't expire<\/a>, meaning you can redeem it as you please without worrying about deadlines.<\/p>\n<\/div>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>Your chances of approval are fairly high with a credit score of 700 or higher. Having good or excellent credit should lead to an approved application.<\/p>\n<p>However, Discover has a hard limit of two cards per person, and you can apply for just one card per year with Discover. If you want a different card, you'll need to apply for the first one, wait a year, then apply for the second. There's no written rule about how long you must wait between receiving welcome bonuses from Discover, though the waiting periods between cards set their own type of waiting period.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Discover_it_Cash\">Cards That Compete With the Discover it Cash<\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" target=_blank>Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" target=_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/10\/CardArt-DiscoverItMiles.png\" width=\"150\" alt=\"Discover it\u00ae Miles\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Discover it<sup>\u00ae<\/sup> Miles<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nDiscover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"3004042\" href=\"https:\/\/awardwallet.com\/credit-cards\/discover-it-miles-review\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Fair, Good, or Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<ul>\n<li><strong>If you want a card with rotating categories plus other earning opportunities, <\/strong>consider the <a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" rel=\"noopener nofollow sponsored\">Chase Freedom Flex\u2120<\/a>. This card has a rotating 5% category while also earning 3% on dining and drugstore purchases plus 5% on travel purchased through the Chase travel portal. There's no annual fee on this card. Full details are in our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Freedom Flex review<\/a>.<\/li>\n<li><strong>If you want a Discover card with a simple earning structure, <\/strong>check out the <a data-ccid=\"3004042\" href=\"https:\/\/awardwallet.com\/blog\/cards\/DiscoverMiles\">Discover it<sup>\u00ae<\/sup> Miles<\/a>.<strong><strong>\u00a0<\/strong><\/strong>This card earns 1.5x miles on all purchases and has a $0 annual fee, plus Discover Match will automatically match all your earnings at the end of your first year. See our <a target=\"_blank\" href=\"\/credit-cards\/discover-it-miles-review\/\" rel=\"noopener\">Discover it Miles review<\/a> for more details.<\/li>\n<li><strong>If you want to earn 5% back where you spend the most, <\/strong>the <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> might be a better fit. You'll automatically earn 5% cash back in the category where you spend the most each billing cycle, though 5% earnings are limited to the first $500 of purchases that month. Afterward, you'll earn 1% back. Check out our <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\" rel=\"noopener\">Citi Custom Cash review<\/a> for more information.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/quarterly-bonus-categories\/\" rel=\"noopener\">Credit Cards With Rotating Bonus Categories<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\" target=_blank>Discover it Cash<\/a><strong>\u00a0<\/strong>might not be the ideal choice for all of your everyday spending. However, the bonus category earnings provide a solid return in useful categories every quarter, making this card a handy tool in your credit card portfolio.<\/p>\n<p>The dollar-for-dollar match effectively doubles your earnings the first year, making this a winner for numerous purchase types during the first year. Redeeming cash-back rewards for gift cards further increases the earning value of the card when discounts are available. With no annual fee and a lengthy 0% introductory APR offer, this card could be a good addition to many people's wallets.<\/p>\n<p><div class=\"qs-card\" data-id=\"2000151\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/18ca107e-1f31-465e-b9e7-1b83fe89e492.png\" width=\"150\" alt=\"Discover it\u00ae Cash Back\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/blog\/cards\/DiscoverCash\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DiscoverCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Discover_it_Cash_Back_Pros\">Discover it Cash Back Pros<\/a><\/li><li><a href=\"#Discover_it_Cash_Back_Cons\">Discover it Cash Back Cons<\/a><\/li><li><a href=\"#Discover_it_Cash_Back_Welcome_Offer\">Discover it Cash Back Welcome Offer<\/a><\/li><li><a href=\"#Discover_it_Cash_Back_Earning_Rates\">Discover it Cash Back Earning Rates<\/a><\/li><li><a href=\"#Discover_it_Cash_Back_Benefits\">Discover it Cash Back Benefits<\/a><ul><li><a href=\"#Introductory_APR_offer\">Introductory APR offer<\/a><\/li><li><a href=\"#Free_access_to_FICO_credit_score\">Free access to FICO credit score<\/a><\/li><li><a href=\"#No_foreign_transaction_fees_or_annual_fees\">No foreign transaction fees or annual fees<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Cash_Back_From_the_Discover_it_Cash_Back_Card\">Redeeming Cash Back From the Discover it Cash Back Card<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Discover_it_Cash\">Cards That Compete With the Discover it Cash<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Discover it\u00ae Cash Back could be a great addition to any credit card portfolio, thanks to excellent earning opportunities in the first year and a lengthy introductory APR offer. But is this the right card for you in the long run? Let&#8217;s take a closer look at the card&#8217;s positives and negatives to find out.<\/p>\n","protected":false},"author":81,"featured_media":119849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12784],"coauthors":[36435],"class_list":["post-119780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-discover"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=119780"}],"version-history":[{"count":35,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119780\/revisions"}],"predecessor-version":[{"id":254365,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119780\/revisions\/254365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/119849"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=119780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=119780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=119780"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=119780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}