Cash Back
Discover it Cash Back
Every rate below is the issuer’s own, verified August 25, 2026.
$0Annual fee
2xYear one, cash back matched
1xOn everything else
Terms apply. See rates & fees on Discover. Rankings are pure math, never sold.
The rates
How it earns
Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.
Earn rates Discover it Cash Back
Jul–Sep · gas stations, transportation, drug stores · up to $1,500, once activated5x
Oct–Dec · Discover announces it September 1 · up to $1,500, once activated · counted at 1x until it maps to your spending5x
Jan–Mar · next year's calendar, not yet published · up to $1,500, once activated · counted at 1x until it maps to your spending5x
Apr–Jun · next year's calendar, not yet published · up to $1,500, once activated · counted at 1x until it maps to your spending5x
Everything else1x
First year · the issuer matches all the cash back you earn2x
Annual fee$0
Know before you apply
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Discover and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Discover’s own published terms, last verified August 25, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 4 of the figures it watches here were still printed there.
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