What it may cost
- Annual fee
- $0
- Foreign transaction fee
- 0%
Annual fee is stated in USD. Verify current pricing before applying.
Discover
Discover it Cash Back
Discover
Discover it Cash Back
Cashback · Rotating categories · Everyday spending · Zero forex markup
Rewards
Statement cashback
- 5 percent cashback — quarterly rotating categories. Activation is required and the quarterly maximum applies.
- 1 percent cashback — all other purchases. Applies to eligible purchases outside the activated quarterly category or above its cap.
Redemption: Discover matches first-year cash back for new cardmembers under its current Cashback Match terms; quarterly 5% categories require activation and are capped.
Caps & exclusions: Issuer category, merchant, activation and account terms apply.
Eligibility signals
Approval depends on the issuer's creditworthiness and underwriting criteria. No income threshold is claimed.
Not an approval prediction.
The issuer may consider credit history, location, existing relationship and other underwriting rules.
The issuer may consider credit history, location, existing relationship and other underwriting rules.
Other benefits
- No annual fee
- No foreign transaction fee
- $0 fraud liability for unauthorized purchases
Sources & uncertainty
Reviewed 1 Nov 2026. Terms can change; verify immediately before applying.
No research warning flags were attached to this record. Normal issuer terms still apply.
Independent comparison. Product facts come from issuer-controlled sources. This is educational information, not financial advice or an approval guarantee.