Cards
Cash BackDiscoverNo Annual Fee
Discover It Cash Back
Key facts
Annual feeNo annual fee
NetworkDiscover
Rewards currencyDiscover CashBack
Recommended creditFair – Good (670+)
Current sign-up bonus
Cashback match
Reward rates
5% on Rotating categories(up to $1,500/quarter)
1% on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Other benefits
Authorized User Fee
$0. Authorized users can be added at no additional cost.
Welcome Bonus
Cashback Match at end of first year. Discover matches all cash back earned during the first 12 months, dollar for dollar, automatically — no minimum spend required.
Earn Rates
5% cash back on rotating quarterly bonus categories (up to $1,500 in combined purchases per quarter after activation, then 1%); 1% cash back on all other purchases. 2026 confirmed categories: Q1 (Jan-Mar): Grocery stores, warehouse clubs, and select streaming services. Q2 (Apr-Jun): Restaurants and home improvement stores. Q3 (Jul-Sep): Gas stations and EV charging, transportation and flights, and drugstore purchases. Q4 (Oct-Dec): Not yet announced as of June 2026. Cashback Match at end of first year: all cash back earned in year one matched automatically.
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Discover It Cash Back, a product of Discover — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.