Details of pros

Strong rewards potential: While you’ll only earn 1% back on your regular spending, we like the fact this card gives you 5% back on the first $1,500 every quarter that you spend in the rotating categories. Discover’s 5% categories tend to be ones consumers can benefit from, making it easy to strategically max them out.1  Also note that Discover will match all your rewards the first year.

Good introductory interest offer: You’ll get 14 months of 0% interest on purchases and balance transfers. Balance transfers need to be executed before Oct. 10, 2020. During that time you’ll also get a break on the balance transfer fee—it’s 3% instead of the usual 5%. Only a few competing cash-back cards offer longer 0% interest promotions on both purchases and balance transfers. 

Excellent customer service: Discover consistently ranks high in customer satisfaction studies and takes several steps to earn, and keep, that reputation. 

Details of cons

Rewards require work: Some cash-back cards let you rack up bonus rewards just for using your card, but the Discover it Cash Back requires you to “activate” your card to earn 5% in bonus categories each quarter. If you fail to activate within the specified time, you’ll miss out on the bonus rewards-earning rate.  

Rewards-earning caps: The Discover it Cash Back returns 5% back on up to $1,500 spent every quarter in bonus categories, but you only earn 1% in those categories once you surpass that threshold. This means you can only earn $75 in bonus cash back each quarter.

No cardholder perks: This card has none of the perks similar cards offer, such as extended warranties, rental car collision insurance, or purchase protection.


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Discover it® Cash Back Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Discover it® Cash Back
As far as no annual fee cash back cards go, the Discover it® Cash Back ranks among the best. You’ll get 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter (then 1%; activation required). And Discover will double that for your first year! There’s also a solid 0% introductory APR for purchases and balance transfers.
Discover it® Cash Back

Discover it® Cash Back
The Discover it Cash Back is the flagship of the Discover it cards, with the cashback match at the end of your first year. Its 5% cashback feature is for rotating categories up to $1,500 each quarter after activation.
Discover it® Cash Back

How to Get the Most Out of Discover it Cash Back Credit Card
Keep an eye on the current categories: Check up on the 5% cash back calendar, to remind yourself which category is currently active and what is coming up next. This will help you always shop with the right card and get the most rewards.Activate the upcoming categories: Be sure to sign up for those 5

Discover it® Secured
Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
Discover it® Secured

Discover it® Miles
Discover it® Miles is a very good travel rewards credit card, especially the first year. Instead of giving new cardholders a few hundred dollars in rewards for spending thousands within a few months of opening an account, as is common with some of the best rewards cards, Discover it Miles doubles all the miles you earn the first year as an anniversary gift.
Discover it® Miles

Discover it® Balance Transfer
The Discover it® Balance Transfer card is an elite 0% interest credit card for people with good credit or better. It offers 0% for 18 months on balance transfers and 0% for 6 months on new purchases, followed by a regular APR of 13.49% - 24.49% (V), depending on creditworthiness. The balance transfer fee is 3% intro (5% after), but like all other Discover credit cards, Discover it® Balance Transfer has no annual fee and no foreign transaction fee.
Discover it® Balance Transfer

Discover It® Student Cash Back
This Discover student credit card gives 1% - 5% cashback on purchases and features both a $0 annual fee and a 0% foreign transaction fee. Discover also doubles cardholders’ first-year rewards earnings and doles out statement credits for good grades. As a result, the Discover it® Student Cash Back card is in the top tier of credit cards for college students with limited credit. But it’s not for everyone.
Discover It® Student Cash Back

Discover It® Student Chrome
If you are on the go, the Discover it® Student chrome may be a better option for you. It will allow you to earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter. No sign-ups or activation here. You simply shop and earn cashback. All other purchases will earn a 1% cash back automatically.
Discover It® Student Chrome

Who Is This Discover it® Cash Back Credit Card Best For?
The Discover it Cash Back is a good option for anyone who wants to earn cash back on their day-to-day purchases. Bonus categories rotate every quarter, and in 2020 include purchases at grocery stores, gas stations, restaurants, rideshare companies, and some online retailers. Consumers who spend in t