Discover it Cash Back
Everyday$0 annual feeAPR: 17.49% to 26.49%
Rotating CategoriesCash Back OptimizersNo Annual Fee
CCVI Score
153
Why this card stands out
- ✓High upside through rotating bonus categories
- ✓No annual fee keeps risk low
- ✓Great supplemental card for rewards optimizers
+Pros
- Strong bonus-category potential
- No annual fee
- Good secondary card
−Cons
- Requires tracking rotating categories
- Less predictable rewards month to month
- Not ideal as a single-card setup
Welcome offer
- Discover will automatically match all the cash back earned at the end of the first year.
- 0% APR on purchases for first 15 months.
- 0% APR on balance transfers for first 15 months.
- Introductory Balance Transfer fee of 3% for first 3 months.
Rewards structure
- 5% Cash Back at grocery stores, wholesale clubs, and select streaming services in Q1, up to $1,500 in combined purchases.
- 1% Cash Back on all other purchases.