At the end of your first year as an account holder, Discover will match all the cash back you earned, dollar for dollar. There's no minimum spending or maximum rewards. Plus, you can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
All information about the Discover it® Cash Back card has been collected independently by Daily Drop.
Discover it® Cash Back
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Pros & Cons
Pros
- No annual fee
- Rotating cashback categories
- Flexible redemption options
- Cashback match
Cons
- Limited international acceptance
- Quarterly activation required
Rewards Summary
- 5% cash back on everyday purchases at different places each quarter (up to $1,500 in spending when activated) at places like Amazon, grocery stores, restaurants, and gas stations
- Unlimited 1% cash back on all other purchases.
- First-year-rewards match
- No foreign transaction fee
- Automatic dollar-for-dollar match of all the cash back you've earned at the end of your first year
Additional Benefits
- no foreign transaction fees
- intro APR
- large welcome offer
Recommended Credit
The recommended credit score for the Discover Cash is good to excellent.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our Experts
Written by: McKay Moffitt
Writer
Updated:Jul 3, 2026
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.