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Discover it Cash Back
Discover it Cash Back earns 5% cash back in rotating quarterly categories (activation required) and 1% on other purchases, with first-year Cashback Match for new cardmembers.
Best for General spendingCash backPersonal cardGood+ credit
Year-one value
$296
Balanced assumption model with the welcome offer included.
Ongoing value
$296
Rewards plus usable credits minus the annual fee.
Welcome offer
None
$0 in 365 days
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
N/A
Needs a listed spend threshold
How You Earn
Where this card pays you back
Other
Rotating quarterly categories, up to quarterly maximum, activation required.
General spending
Credits And Perks
What actually offsets the fee
Free Social Security Number Alerts
Discover can monitor for certain Social Security number activity and alert eligible cardholders when it finds matches.
$0 Fraud Liability Guarantee
Discover states you are not responsible for unauthorized purchases on your card account.
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