Discover

Discover it Cash Back

No annual fee1 point bonus

Is it worth it for you?

That depends entirely on how you spend. Run your numbers and this page shows your figure instead of a guess.

Run my numbers

What it earns

othercapped at $6,0005×

everything else1×

Benefits

Cashback MatchDiscover will match all cash back you earn during your first 12 billing periods or 365 days (whichever is longer) and add the matched amount to your rewards account.

5% Cash BackEarn 5% cash back on everyday purchases at different places you shop each quarter (up to the quarterly maximum), including grocery stores, restaurants, gas stations, and more.

$0 Fraud LiabilityYou are not responsible for unauthorized purchases on your Discover card.

Discover Identity AlertsDaily monitoring of your Experian credit report for new inquiries or accounts, and dark web monitoring for your Social Security number.

Account FreezeYou can freeze your account to prevent new purchases, cash advances, and balance transfers while allowing recurring payments and other exempted transactions to continue.

$1 Cash Back = $1 to RedeemEvery dollar of cash back you earn is worth one dollar when you redeem it.

Card details last checked Mar 19, 2026. No affiliate links on this page — we're paid for verdicts, not applications.