Discover it® Cash Back: 5% Cashback in Rotating Categories, Plus Match Your Cashback for the First Year

The Discover it® Cash Back card is one of the most popular cashback credit cards available, especially for those who love earning big rewards in specific categories. With 5% cashback on rotating categories each quarter (up to $1,500 in spending per quarter, then 1%), and an automatic match of all the cashback you earn in your first year, this card provides fantastic value.

💵 $200 Cashback Bonus + 5% Rewards in Rotating Categories

One of the standout features of the Discover it® Cash Back is its rotating categories that offer 5% cashback on up to $1,500 in spending per quarter. Categories typically include:

• Grocery Stores
• Gas Stations
• Restaurants
• Amazon.com
• Streaming Services

Important: You must activate the bonus category each quarter to start earning 5% cash back, but once activated, it’s easy to use and can add up fast.

Additionally, new cardholders can earn $200 in Cashback Bonus after spending just $1,000 in the first 3 months.

👉 Find Out More and Apply Here

🔁 Cashback Match: Double Your Rewards in the First Year

As if the 5% rotating categories weren’t enough, Discover matches all the cashback you earn in your first year — automatically. This means that if you earn $200 in cashback during your first year, Discover will add an additional $200, effectively doubling your rewards.

That’s up to $400 in cashback during your first year alone, just for using the card for everyday purchases.

👉 Check Eligibility & Apply

🏆 Unlimited 1% Cash Back on All Other Purchases

When you’re not in a bonus category, you still earn 1% cashback on all other purchases. This flat-rate cashback applies to everything else — from bills to clothing to dining out.

While other cards might offer more for specific categories, the Discover it® Cash Back ensures that you’re still earning rewards even when you don’t hit a rotating category.

📱 Easy Redemption Options and No Annual Fee

With no annual fee, the Discover it® Cash Back is perfect for anyone who wants to earn cash back without worrying about fees eating into their rewards. You can redeem your cashback for:

• Statement credits
• Direct deposit
• Gift cards to popular retailers
• Charitable donations
• Amazon purchases

All redemptions are straightforward, and your cashback never expires as long as your account is open.

👉 See All Redemption Options Here

🛡️ Zero Fraud Liability and Extended Warranty

The Discover it® Cash Back comes with zero fraud liability for unauthorized purchases, ensuring that you’re not responsible for any transactions you didn’t make.

Plus, it includes an extended warranty on eligible purchases, which can add extra value to your large purchases, offering up to an additional year of protection.

🌍 International Use with No Foreign Transaction Fees

Unlike some credit cards that charge foreign transaction fees, the Discover it® Cash Back allows you to use it abroad with no extra charges. This makes it an excellent choice for those who love to travel internationally and want to earn cashback on purchases made overseas.

🚶‍♂️ Who Should Use the Discover it® Cash Back?

This card is a great fit for:

• Reward maximizers who can plan and keep track of rotating categories
• People who spend heavily in categories like groceries, gas, and dining
• Travelers who want to use the card internationally without incurring foreign transaction fees
• Those who want no annual fee and flexible rewards redemption options

If you’re someone who can take advantage of rotating categories and earn more by keeping track of spending, the Discover it® Cash Back is a great choice. You’ll earn 1% on everything else, and when combined with the 5% rotating categories, it gives you the best of both worlds.

📊 Discover it® Cash Back vs. Competitors

The Discover it® Cash Back stands out with Cashback Match and no foreign transaction fees, giving it a competitive edge for travelers and those who can keep track of rotating categories.

📝 How to Maximize Rewards with Discover it® Cash Back

• Activate categories: Remember to activate your bonus categories each quarter to earn 5% cashback.
• Stay on top of purchases: Maximize the $1,500 quarterly spending cap in bonus categories.
• Use for larger purchases: If you’re buying big-ticket items, make sure to use the card to earn cashback.

Even without the rotating categories, you’ll still earn solid rewards on every purchase.

🔑 Bottom Line: A Perfect Match for Rotating Category Lovers

The Discover it® Cash Back offers a unique combination of rotating 5% cashback categories and unlimited 1% on all other purchases, making it an attractive choice for anyone who loves rewards and a low-maintenance card.

With no annual fee, the Cashback Match for new cardholders, and zero fraud liability, this card is an excellent option for users who want to maximize their cashback potential without worrying about extra costs.

Written by Arthur Updated on April 23, 2025