Discover it® Cash Back
Discover

Discover it® Cash Back

Annual Fee
No Annual Fee
Points Currency
Cash Back
Base Value
1.00¢/pt
Welcome Bonus
$100 with any purchase in 90 days
Best For
Dining & Restaurants

This Quarter (Q4 2026)

5x Dining & Restaurants
Up to $1,500 this quarter · Dine-in, takeout, and delivery · Activation required · $1,500 cap shared across all Q4 categories
5x Entertainment
Up to $1,500 this quarter · New category: movie tickets, concerts, sports, zoos/aquariums, bowling, etc. · Activation required · $1,500 cap shared across all Q4 categories
5x Internet & Cable
Up to $1,500 this quarter · Utilities category (electricity, water, internet, phone) · electricity & water have no matching site category, skipped · Activation required · $1,500 cap shared across all Q4 categories
5x Phone & Wireless
Up to $1,500 this quarter · Utilities category (electricity, water, internet, phone) · electricity & water have no matching site category, skipped · Activation required · $1,500 cap shared across all Q4 categories

Best Categories for This Card

5.00%
effective

Dining & Restaurants

5x Cash Back$1,500 cap
Rotating (Quarterly)

This quarter (Q4 2026) · Dine-in, takeout, and delivery · Activation required · $1,500 cap shared across all Q4 categories

5.00%
effective

Entertainment

5x Cash Back$1,500 cap
Rotating (Quarterly)

This quarter (Q4 2026) · New category: movie tickets, concerts, sports, zoos/aquariums, bowling, etc. · Activation required · $1,500 cap shared across all Q4 categories

5.00%
effective

Phone & Wireless

5x Cash Back$1,500 cap
Rotating (Quarterly)

This quarter (Q4 2026) · Utilities category (electricity, water, internet, phone) · electricity & water have no matching site category, skipped · Activation required · $1,500 cap shared across all Q4 categories

5.00%
effective

Internet & Cable

5x Cash Back$1,500 cap
Rotating (Quarterly)

This quarter (Q4 2026) · Utilities category (electricity, water, internet, phone) · electricity & water have no matching site category, skipped · Activation required · $1,500 cap shared across all Q4 categories

1.00%
effective

All Other Purchases

1x Cash Back

Complete Rewards Breakdown

CategoryMultiplierTypeCapEffective Return
Dining & Restaurants5xRotating (Quarterly)$1,500 cap5.00%
Entertainment5xRotating (Quarterly)$1,500 cap5.00%
Phone & Wireless5xRotating (Quarterly)$1,500 cap5.00%
Internet & Cable5xRotating (Quarterly)$1,500 cap5.00%
Everywhere else
1xOngoing—1.00%

How it stacks up

vs Citi Custom Cash® Cardvs Chase Freedom Flex®vs Wells Fargo Autograph℠ Cardvs Chase Freedom Unlimited®

Want more details?

Fees, benefits, and current offers change frequently. Visit Discover’s official page for the most up-to-date terms straight from the issuer.

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