discover cashback
Discover it Cash Back
The Discover it Cash Back doesn't have a traditional sign-up bonus, but the Cashback Match feature is potentially worth much more. All cash back earned in your first year is matched at the end of the year - so 5% becomes 10% on bonus categories and 1% becomes 2% on everything else. For new cardholders or anyone building credit, this is an excellent choice with no annual fee and broad category earning potential.
Current Sign-Up Bonus
Highest Ever 0 cash back
after $0 spend in 0 month
Estimated value: $0
Last validated: 2025-01-27
Rewards Structure
Base Rate: 1x on all purchases
Bonus Categories:
- rotating quarterly categories 5x (up to $1,500)
Pros & Cons
Pros
- + Cashback Match effectively doubles first year earnings
- + No annual fee
- + No foreign transaction fees
- + Rotating 5% categories
- + Good for building credit
Cons
- - Discover not accepted everywhere
- - Must activate quarterly categories
- - 5% capped at $1,500/quarter
- - No traditional sign-up bonus
Key Benefits
- No annual fee
- Cashback Match first year (doubles all cash back)
- No foreign transaction fees
- Free FICO score
- U.S.-based customer service
- $0 fraud liability
Offer History
0| Period | Bonus | Spend Req. | |
|---|---|---|---|
| Always (Cashback Match instead) Current | 0 cash back | $0 | Highest |
Note: Historical offers are tracked for informational purposes. Past offers may not return.