Discover It

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Card / NotesBonus / Annual Fee
Discover it®
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy Perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $50 after first purchase

No annual fee

Overview

The Discover It Card earns 5% cash back in rotating categories each quarter, up to $1500 in spend.  Outside of the 5X categories, the card earns only 1% cash back.

That said, this card has a few great things going for it:

  • No annual fee
  • No foreign transaction fees
  • Double Cash Back First Year: Discover will double all cash back earned the first year. This means that for the first year, you get 10% cash back within rotating categories and 2% cash back everywhere else.  That’s excellent.  Plus, Discover has a pretty good cash back portal, Discover Deals.  And, all cash back earned through the portal is doubled as well!
  • Discover Cash Back is worth more than face value when redeemed for partner gift cards instead of cash.

Bottom Line

This is a great choice for rotating category spend.

Card / NotesBonus / Annual Fee
Discover it® Discover it®
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy Perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $50 after first purchase

No annual fee

Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.

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