- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
Discover it Cash Back
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Doubles all your rewards in year one, effectively turning 5% categories into 10%.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: discover.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Reward highlights
- 5% rotating quarterly categories
- All year-one rewards doubled
- No annual fee, no FTF
Who it's for
Best for maximizers who want an outsized first-year return.
Good for
Key benefits
- No annual fee
- No foreign transaction fees
- First-year Cashback Match doubles all rewards
- Free FICO score & fraud protection
Rates & fees
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Frequently asked questions
Does the Discover it Cash Back have an annual fee?
No, there is no annual fee.
Does it charge foreign transaction fees?
No, it has no foreign transaction fees.
How does the Cashback Match work?
Discover automatically doubles all the cash back you earn in your first year.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.