Advertiser Disclosure
TAKE PRIDE IN YOUR CARD
As the COVID-19 pandemic continues to affect your life and finances, CardRatings will remain committed to providing timely information related to credit cards and personal finance topics via our coronovirus financial services resource page. Email editor@cardratings.com with specific questions.
This card is not currently available here, but you can browse reviews for other credit cards.
Discover it® Cash Back review: Earn up to 5% cash back each quarter
Excellent, Good
Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.
Chase Freedom Unlimited®
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Credit Needed:
Excellent, Good
Citi® Double Cash Card - 18 month BT offer
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Credit Needed:
Excellent
By Brooklyn Lowery CardRatings Senior Manager Updated Apr 6, 2020
Review coming soon!
Top Features
| Cash Back on Gas | Cash Back on Groceries | Cash Back on Other |
| 1-5% | 1-5% | 1-5% |
CardRatings Editor's Analysis: Pros & Cons
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
- The card features bonus 5% cash-back categories on a rotating basis (up to $1,500 spent and only when you activate), but if you know you spend a lot in a particular category, you might be better off with a card that features a constant higher cash-back percentage in that category. Or, if you know these are the best categories for you, but still want 5% back in rotating categories, see if Chase Freedom® would be a good fit for you.
Discover it® Cash Back compared to other cash back cards
Card Name
Cash Back on Gas
Cash Back on Groceries
Cash Back on Other
Ratings/Apply
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases