Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
- Top categories rotate quarterly and require activation
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$273/yr
$273 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$298/yr
$298 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$303/yr
$303 rewards
This card has spending caps or rotating categories not fully modeled above; treat these as upper bounds.
Rewards by Category
Dining
1.25x
Grocery
1.25x
Gas
1.25x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1.25x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1.25x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% rotating quarterly categories (up to $1,500/quarter, requires activation), 1% everywhere else. Cashback Match: Discover matches all cash back earned in the first year. Rates shown are averaged across quarters.
- Rotating quarterly categories: bonus rate capped at $6,000 of spend per year ($1,500 per quarter = $6,000/year combined across rotating categories)
Discover it Cash Back FAQ
What is the Discover it Cash Back annual fee?
The Discover it Cash Back has no annual fee.
What are the best spending categories for the Discover it Cash Back?
1.25x on dining, 1.25x on fast food, 1.25x on grocery. Everything else earns 1x.
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