Discover it® Cash Back Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Discover it® Cash Back earns 5.0X on rotating, 1.0X on base with a $0 annual fee. The current signup bonus is Unlimited Cashback Match.
4.0/5
Overall
5.0/5
Rewards
4.0/5
Benefits
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| rotating | 5X pts/$ | 5.00¢ | Varies |
| base | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Signup Bonus Value
Unlimited Cashback Match Discover Cashback Points
Benefits
Purchase Protection
$500
Up to $500 per claim, 90 days
Extended Warranty Protection
Included
Up to 1 additional year
Free FICO® Credit Score
Included
Free monthly FICO score
$0 Fraud Liability Guarantee
Included
$0 fraud liability
Freeze It® Card Lock
Included
Instant card freeze/unfreeze
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by DISCOVER and subject to change. Verify all information on the issuer's website before applying.
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How This Card Has Changed
Jan 2024
Q1 2024 categories: Grocery Stores, Walgreens, CVS (up to $1,500) Rotating 5% categories change quarterly
Jan 2023
Cashback Match program continues First-year cashback match remains signature benefit
Jul 2019
No foreign transaction fees added Discover became one of few no-fee cards with no FTF Improvement
Mar 2016
Freeze It® card lock feature launched Industry-first instant card freeze/unfreeze from mobile app Improvement
Sep 2013
Discover it® Cash Back launched with Cashback Match Replaced Discover More Card. Introduced unlimited first-year cashback match
Strengths and Weaknesses
Strengths
- 5X top earn rate on bonus categories
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Fee-Conscious Spenders
No annual fee to offset
Simplicity Seekers
Straightforward cashback, no points to manage
Frequently Asked Questions
What credit score is needed for the Discover it® Cash Back?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Discover it® Cash Back?
The current signup bonus is Unlimited Cashback Match. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.