Cash Back card · Discover
Discover it Cash Back
Discover it Cash Back is the rotating-category card: 5% back in a different set of categories every quarter, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Discover |
|---|---|
| Network | Discover |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 5% cash back in rotating categories that change each quarter (up to the quarterly maximum, then 1%), and 1% cash back on all other purchases. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
5% cash back in rotating categories that change each quarter (up to the quarterly maximum, then 1%), and 1% cash back on all other purchases.
Who it is built for
Built for people who are happy to activate a new category each quarter to earn the higher rate.
History
Discover introduced the it card in 2013, replacing its long-running Discover More card and carrying the 5% rotating category structure forward.
Current details — visit the official Discover it Cash Back page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Discover
Other cards from the same issuer in this library.
- Discover it Chrome · Cash Back · No annual fee (as of 2026)
- Discover it Miles · Travel · No annual fee (as of 2026)
- Discover it Secured · Secured · No annual fee (as of 2026)
- Discover it Student Cash Back · Student · No annual fee (as of 2026)
- Discover it Student Chrome · Student · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Discover it Cash Back?
Discover it Cash Back is the rotating-category card: 5% back in a different set of categories every quarter, with no annual fee as of 2026.
Does the Discover it Cash Back have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Discover it Cash Back earn?
5% cash back in rotating categories that change each quarter (up to the quarterly maximum, then 1%), and 1% cash back on all other purchases.
Who issues the Discover it Cash Back?
The Discover it Cash Back is issued by Discover and runs on the Discover network.
Sources
- https://www.discover.com/credit-cards/cash-back/it-card.html — Issuer's official card page
Page last updated 14 November 2026.