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Discover it® Cash Back review: Earn up to 5% cash back each quarter

Excellent, Good

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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

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Dana ( Mar 4, 2014 at 11:13 am)

    This card is amazing. All the other CC's harass my mailbox daily, but then offer me a credit limit $3000 less than Discover did. How is that even possible? I love the free FICO score checker I can use when I log in too. The other day they emailed me a $5 starbucks card for being a member. It really seems like they're kissing my ass but I don't care I love this card!


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    joe ( Jan 6, 2014 at 9:30 am)

    card has many "NO"s but beware. If you're not planning on carrying a balance, you should find most of those things useless anyways.International fee is ZERO. rewards are at least 1% cashback but gifft card redemptions bumps the reward $$ to a higher percentage (redeem at 10% disc or 6% disc). Rotating categories are also helpful. effectively raising rewards rate on discount stores (walmart, target) to above 1%CON: no solid CB on supermarkets (gocery stores) gas only rotating. discover is not as accepted as Visa and MC, but sams club take them.





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