Discover It

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site does not include all financial companies or all available financial offers. For additional details, see our Advertiser Disclosure.

Discover it®
 
 
 
$75 + First Year Double
Get $75 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

Base
1%
Shop
5%

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2018 Q4 = Amazon.com and Wholesale Clubs.

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

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.

Application Tips

Discover Application Tips


  • 2 card limit: You can have a maximum of 2 Discover cards.

  • 12 month rule: Must wait just over 12 months after previous card was opened before applying for another Discover card.

  • Get Same Card Again: No known rules against getting same card & bonus again.


Click here to check your application status
If denied, call reconsideration here: 888-676-3695

Related Cards (Penny Points)

Capital One® Spark® Cash for Business
 
 
 
Up to $2,000 cash back
Up to $2,000 cash back: $500 after $5K spend in 3 months from account opening plus $1500 cash back after $50K total spend within 6 months from account opening. Limited time offer.

No Annual Fee First Year, Then $95

 
 

Recent better offer: $1,000 after $10,000 spend in 3 months from account opening

 
 
The Plum Card® from American Express
 
 
 
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership

No Annual Fee First Year, Then $250

 
 
Bank of America Premium Rewards
 
 
 
50K points
50K after $3K spend in 90 days

$95 Annual Fee

 
 
Capital One® Savor® Cash Rewards Credit Card
 
 
 
$500 Cash Back
$500 after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95

 
 
Wells Fargo Business Platinum Visa® card
 
 
 
$500 Cash Back
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back
(Offer Expires 9/30/18)

$0 Annual Fee

 
 
BB&T Spectrum Rewards
 
 
 
Up to $1,350
$1350 after $50K spend in 3 months (Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.)

$0 Annual Fee

 
 
FNBO TraveElite Credit Card
 
 
 
25K points
25K after $2.5K spend in first 3 billing cycles

$0 Annual Fee

 
 
PNC Premier Traveler® Visa Signature Credit Card
 
 
 
30K "miles"
30K after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $85

 
 
TD Business Solutions Visa
 
 
 
$300 Cash Back
$300 after $3K spend in 90 days

$0 Annual Fee

 
 

Recent better offer: None

 
 
Bank of America Travel Rewards
 
 
 
25K points worth $250
25K after $1K spend in 90 days

$0 Annual Fee

 
 
SimplyCash® Plus Business Credit Card from American Express
 
 
 
$500 Cash Back
$500: $250 in statement credits after spending $5K in purchases in the first 6 months + an additional $250 in statement credits after you spend an additional $10K in the first year

$0 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: $500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months (Expired 4/25/18)

 
 
TD Cash Visa Credit Card
 
 
 
$200 Cash Back
$200 after $500 spend in 90 days.
(Offer Expires 3/5/18)

$0 Annual Fee

 
 

Recent better offer: None

 
 
Bank of America Cash Rewards
 
 
 
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee

 
 
TD First Class Visa Signature® Card
 
 
 
25K points
25K: 15K after first purchase + 10K after $3K spend in first 6 billing cycles.

No Annual Fee First Year, Then $89

 
 
Disney Visa Card
 
 
 
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee

 
 
BOA Platinum Business Visa
 
 
 
$200 Cash Back
$200 after $500 spend in 60 days

$0 Annual Fee

 
 
BBVA Compass Select
 
 
 
20K points
20K after $2K spend in 90 days

No Annual Fee First Year, Then $125

 
 
Capital One® Spark® Cash Select for Business
 
 
 
$200 Cash Back
$200 after $3,000 spend in 3 months from account opening

$0 Annual Fee

 
 
Capital One® Quicksilver® Cash Rewards Credit Card
 
 
 
$150 Cash Back
$150 after $500 spend in 3 months from account opening

$0 Annual Fee

 
 
Capital One® SavorOne℠ Cash Rewards Credit Card
 
 
 
$150 Cash Back
$150 after $500 spend in 3 months from account opening

$0 Annual Fee

 
 
Blue Cash Preferred® Card from American Express
 
 
 
250 Cash Back
$250 cash back after $1K in the first 3 months

$95 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.

Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

 
 
American Express Cash Magnet™ Card
 
 
 
Up to $250 Cash Back
Up to $250 cash back: $150 back after $1K in purchases in first 3 months + $100 statement credit after an additional $6.5K in purchases within the first 12 months

$0 Annual Fee

 
 
Blue Cash Everyday® Card from American Express
 
 
 
$200 Cash Back
$200 cash back after $1K in the first 3 months

$0 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)

 
 
Discover it® for Students
 
 
 
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

$0 Annual Fee

 
 
AARP Credit Card from Chase
 
 
 
$100 Cash Back
$100 after $500 spend in 3 months

$0 Annual Fee

 
 

Recent better offer: $200 after $500 spend in 3 months

 
 
Fidelity Rewards Visa
 
 
 
$100 Cash Back
$100 after $1K spend in 3 months.

$0 Annual Fee

 
 
Uber Visa Card
 
 
 
$100 Cash Back
$100 after $500 spend in 90 days

$0 Annual Fee

 
 
BBVA Compass NBA American Express Card
 
 
 
10K points
10K after $500 spend in 90 days

$0 Annual Fee

 
 

Recent better offer: 20K after $1K spend. (last reported 1/2016).

 
 
Discover it®
 
 
 
$75 + First Year Double
Get $75 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

$0 Annual Fee

 
 
Discover it Miles - Double Miles your first year
 
 
 
$50 + First Year Double
Get $50 after first purchase. All miles earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

 
 
Marvel MasterCard from Synchrony
 
 
 
$25 Cash Back
$25 after first purchase

$0 Annual Fee

 
 

Recent better offer: None

 
 
Ducks Unlimited Visa from First Bankcard
 
 
 

Currently there is no signup bonus for this card, but the bonus categories might make it attractive nonetheless.

$0 Annual Fee

 
 

Recent better offer: None

 
 
Alliant Cashback Visa Signature Card
 
 
 
3% First Year
Earn 3% cash back first year, then 2.5% thereafter

No Annual Fee First Year, Then $59

 
 
Citi Double Cash Card
 
 
 
None
None

$0 Annual Fee

 
 

Recent better offer: None

 
 
Discover it Business - Double cash back your first year
 
 
 
First Year Double
All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

 
 

Last updated on May 30th, 2018

Earn Miles Without Flying: START HERE

3
Leave a Reply

avatar
3 Comment threads
0 Thread replies
0 Followers
 
Most reacted comment
Hottest comment thread
0 Comment authors
Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of
trackback
Apple Watch sale at Macy's, may stack with Discover for 10% back - Frequent Miler

[…] 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 […]

Vote Up0Vote Down  Reply
1 year ago
trackback
Discover It: Your Best Choice for a First Credit Card - HELP ME BUILD CREDIT!

[…] 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. […]

Vote Up0Vote Down  Reply
11 months ago
trackback
Best options for buying Gift of College gift cards

[…] Freedom, Discover It: Each card occasionally offers 5X rewards at grocery stores. Take advantage of it when […]

Vote Up0Vote Down  Reply
1 month ago