Discover It

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Discover it®
$50 + First Year Double
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.
Click Here to Apply

$0 Annual Fee

FM Mini Review: This is a great choice for its rotating 5% categories

Card Type: Discover

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


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.

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Discover It: Your Best Choice for a First Credit Card - HELP ME BUILD CREDIT!Apple Watch sale at Macy's, may stack with Discover for 10% back - Frequent Miler Recent comment authors

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[…] with 10% cash back from Discover (which will double to 20% if you’re in the first year of a Discover IT card). That cash back could make these prices a great deal. One note of caution: Most portals […]


[…] Here we’ve discussed all the credit related benefits, but Discover also offers a whole lot more of benefits. For example, no foreign transaction fees, Discover deals, double cash back the first year, 100% USA based costumer service, 5% cash back at rotating categories, etc. See more here. […]