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Discover it Cash Back
The first-year math is the headline: Discover matches all the cash back you earn, so 5% rotating categories effectively become 10% and a 1% base becomes 2% for 12 months. Activate each quarter (the bonus caps at $1,500 in spend) or you lose the 5%. After year one it's an ordinary rotating-category card, and acceptance is thinner than Visa or Mastercard abroad. Great as a year-one play or a category supplement, weak as your only card overseas. Check the quarterly calendar on discover.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Discover matches all your cash back the first year
- ✓No foreign purchase fee
- ✓Your FICO score at no cost
👍 Pros
- + No annual fee
- + First year can be worth a lot thanks to the match
- + No fee on foreign purchases
👎 Cons
- – Discover sees less acceptance outside the U.S.
- – Categories need to be activated
Can you get it?
- ▸A good credit score
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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