Discover it^® Cash Back Card — Full Review [2025]

Great Card If

• You’ve never had a credit card before.
• You want to earn cash-back rewards on your daily purchases.

Don’t Get If

• You already have an established credit history.
• You want to earn travel rewards.

Discover Cash Back Card: Is It Worth It?

The Discover Cash Back card is one of the most popular cash-back rewards cards that people first add to their wallets.

This is not only because it tends to be relatively easy to be approved for, offers credit builder tools, and has a $0 annual fee, but also because it is a great cash-back rewards card in its own right.

Not only do you earn 1% cash-back on all purchases, you also earn 5% back on up to $1,500 in spending on quarterly rotating bonus categories like grocery stores, restaurants, gas stations, and more. Plus, Discover matches all of the cash-back you earn during your entire first year of card membership.

Discover Cash Back Card Top Benefits and Perks

Here is a look at all of the top perks that the Discover Cash Back card offers:

• Cash-back match: During your year of holding the card, Discover automatically matches all the cash-back you’ve earned, with no limit to how much you can earn. This effectively means that you earn 10% cash-back on up to $1,500 in spend on the quarterly rotating categories and 2% back on all other purchases for the first year you hold the card.
• 0% introductory APR offer: Get a 0% Intro APR for 15 months on purchases and balance transfers.
• No foreign transaction fees: Continue to use your card during international travel to earn more cash-back without worrying about racking up additional fees.

Best Ways To Earn and Redeem Your Cash-Back

To earn as much cash-back as possible, use your Discover Cash Back card for as many purchases as you can, provided that you can pay the card off on time and in full at the end of your statement period.

This is especially true for purchases in the 5% quarterly rotating bonus categories and even more true in your first year of card membership if you’re receiving a cash-back match on all the cash-back you earn during your first year of holding the card.

Once you’re ready to redeem your cash-back, Discover lets you get it as a deposit directly into your bank account, gift cards, charitable donations, or you can use your cash-back as a payment method with Amazon, Apple Pay, and PayPal.

Alternative Cards to the Discover Cash Back Card

Chase Freedom Flex^®

If you like the idea of having a card with quarterly rotating bonus categories, the Freedom Flex card offers this benefit as well, in addition to earning 3% back on dining and drugstore purchases and 1% back on all other purchases.

Further, the card charges a $0 annual fee and comes with perks like cell phone protection, purchase protection, rental car insurance, extended warranty protection, access to Chase offers, and more.

Citi Double Cash^® Card

For those who prefer a more straightforward arrangement, the Citi Double Cash card earns an uncapped 2% cash-back on all purchases (1% when you buy, 1% as you pay) with a $0 annual fee.

It comes with flexible redemption options and if you pair it with a premium Citi card that earns ThankYou Rewards points, you can pool your rewards together and transfer them to Citi transfer partners. Plus, it offers a 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%.