Discover · Discover · personal · Cash back
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$0
sign-up bonus ≈ 0 cash
Earning
| Everything else | 1% | 1% |
| Rotating quarterly categories (discover it) up to $1,500/quarter · activation required
Now (2026-Q4): Utilities, restaurants, entertainment |
5% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No foreign transaction fees
- Cashback Match: all cash back earned in the first year is doubled
- 0% intro APR 15 months
- Free FICO score
- No annual fee
Protections
Notes
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/discover-it-cash-back-review/: $0 fee, 5% on first $1,500/quarter in rotating categories, first-year Cashback Match, no FTF (TPG, Mar 3 2025); 2026 calendar from Doctor of Credit. Protections still from model knowledge.