Discover it Cash Back
Discover, Discover, no annual fee. Earns cash back.
Rates checked against the issuer 2026-08. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $265, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $265 a year on the illustrative household's spending, which puts it number 56 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Food Delivery, EV Charging, Superstores, Home Improvement | 5% | Only while you have this category switched on. Up to $1,500 per quarter, then the base rate. Rotating category — you must activate it each quarter |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $60 |
| Everything Else | $60 |
| Restaurants & Bars | $36 |
| Gas Stations | $18 |
| Online Shopping | $18 |
| Utilities | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- First-year cashback match doubles everything you earn
- No foreign transaction fees, but limited acceptance outside the US
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.