Discover It Cash Back: I'm Pleasantly Surprised by My Newest Credit Card

<!DOCTYPE html> <html lang="en-US"> <head> <title>Discover It Cash Back: I'm Pleasantly Surprised by My Newest Credit Card</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="My review of the Discover it Cash Back: I've been pleasantly surprised by my newest cash-back credit card" > <meta name="datePublished" content="2024-12-31T17:51:08Z" > <meta name="dateModified" content="2025-02-11T22:24:31Z" > <meta name="news_keywords" content="Personal Finance, Credit Cards" > <meta name="description" content="I got the Discover it Cash Back for a potential 10% cash back return on my first year. 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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Discover it Cash Back: I'm pleasantly surprised by my newest credit card","alternativeHeadline":"My review of the Discover it Cash Back: I've been pleasantly surprised by my newest cash-back credit card","image":{"@type":"ImageObject","url":"https://i.insider.com/670d98de3f2165d716e0bcd2?width=1200&format=jpeg","width":1200,"height":900},"name":"My review of the Discover it Cash Back: I've been pleasantly surprised by my newest cash-back credit card","datePublished":"2024-12-31T17:51:08Z","dateModified":"2025-02-11T22:24:31Z","description":"I got the Discover it Cash Back for a potential 10% cash back return on my first year. ButI've been surprised and impressed by the user-friendly app.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.I've been hearing about the Discover it Cash Back for years, and finally applied for one this summer.This card is one of Business Insider's picks for our best credit cards guide because it earns 5% cash back on different purchases that change every three months (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%).I chose this no-annual-fee credit card for two specific reasons: New cardholders get 0% intro APR for 15 months on purchases and balance transfers (then 18.24% - 27.24% Variable APR), and double their cash-back at the end of their first year. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.$00% intro APR for 15 months on purchases and balance transfers18.24% - 27.24% Variable APREarn Unlimited Cashback Match®Good to ExcellentThe Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.I got this credit card because I wanted cash back and 0% intro APR. But my favorite aspects of the Discover it Cash Back have been a pleasant surprise for me. Discover instantly approved me for the Discover it Cash Back, and immediately offered me access to my new credit card number while I waited for the physical product to appear in the mail. This perk is a \"nice to have\" in most cases, but can be a \"need to have\" if you need to make a large or unexpected transaction on short notice. I didn't need-need it this time, but did use my new card to pay for dinner via Apple Wallet mere minutes after I was approved. I have dozens of credit cards and bank accounts, so I've become something of a financial website and app connoisseur. The Discover website and consumer app are pleasantly intuitive and user-friendly, a feature I deeply appreciate from my credit card issuers. Both portals are sleek and contemporary, a feature my fellow Millennial or Gen Z consumers will appreciate. In fact, Discover's layout might be my new favorite amongst bank apps. I've become a big fan of Face ID for phone log-ins, and I was able to quickly set up and use this feature on the Discover app. I also like the single-page overview format, which allows me to scroll for the information I want instead of blindly clicking through multiple tabs. The landing page shows me at a glance how much of a balance I'm carrying, and how much of my credit limit is still available for use. I can also see how much cash back I've already earned — a feature that's much less prominent from Chase or Amex. For more granular detail, the payments, rewards, and services tab quickly show me most of the other information I need including contact information for Discover customer support. I like getting a good deal when I shop, and I don't mind expending a little extra brainpower at checkout. I wanted to get the Discover it Cash Back because it earn 5% back on bonus categories that change every few months (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%). I track these rotations using the Discover cash back calendar, which announces new promotion categories a few weeks before the next quarter begins.I don't earn 5x until I enroll in the promotion, so I make sure to register my card at the beginning of each quarter so the benefit is active on my account. I can earn 5% on the first $1,500 I spend across all bonus categories that quarter — a potential reward of $75 if I max out the full amount. I also have a Chase Freedom Flex® \n in my wallet that also earns 5% cash back on quarterly bonus categories. Doubling up on both no-annual-fee credit cards allows me to save a lot of money on common expenses such as gas, groceries, Amazon, or Paypal transactions. The Chase Freedom Flex also caps rewards at $1,500 per quarter — another $75 potential cash back. Most credit cards offer a welcome bonus when you first apply. These offers typically give new cardholders a certain amount of money or points after they spend a designated sum of cash on the card within a specific number of days. For example, the Chase Sapphire Preferred® Card offers newcomers the chance to earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.In contrast, the Discover it Cash Back doesn't offer a traditional welcome bonus that follows this format. Instead, Discover's Cashback Match® program matches all of the cash back I've earned at the end of my first year, whether I earn it from 5% cash-back categories or from 1% cash back on all other purchases.Since I primarily plan to use my Discover it Cash Back on bonus-category purchases each quarter, I could theoretically earn a grand total of $600 during my first year — a generous return from a no-annual-fee credit card. Here's how the math works out:5% on up to $1,500 per quarter = $75 $75 x 4 quarters = $300$300 x Cashback Match® = $600Pro Tip: The Discover it Cash Back doesn't charge foreign transaction fees — and neither do any other Discover cards. I have plenty of Visa and Amex credit cards, and I've even added a couple of Mastercards in the last year or two. But until I got my own Discover it Cash Back this summer, I hadn't had — or even seen — a Discover card since the early 1990s when I used to poke through my mother's wallet. For many years, I assumed this was because Discover cards aren't as widely accepted as Visa, Amex, or Mastercards. While they are still less popular in many international countries, I discovered you can now use Discover cards in most places throughout the U.S. that accept credit cards. They're also accepted in Canada, Mexico, Central America, the Caribbean, and China.I probably won't take this card overseas with me because of those geographical limitations. But it's nice to know that I won't pay foreign transaction fees if I do need to use it in a pinch. Most credit cards have a standard design, while some statement products like the American Express® Gold Card or the The Platinum Card® from American Express offer a couple of different looks. In contrast, the Discover it Cash Back offers more than two dozen designs for cardholders to choose from — a fun surprise for me to discover during the card application process.I'd never choose a credit card based on aesthetics alone, but I'll take a rainbow card any time I'm given the option. Personal finance experts stress the importance of paying off credit card balances in full each month, with one exception: If you have access to a 0% interest period on your credit card, it may make sense to charge a large transaction to that card and pay off what you owe over the 0% APR period. This is one of my favorite ways to make big expenses a little more palatable.Property taxes run high where I live: I pay 2.2% of my appraised home value yearly. To soften the blow, I occasionally charge the full transaction to a zero-interest credit card, then pay off what I owe over the duration of my 0% APR period. This allows me to invest my money in a high-yield savings account for a few months. Paying my taxes on a new credit card also helps me hit the spending requirement necessary for a welcome bonus. The Discover it Cash Back comes with a generous 0% intro APR for 15 months on purchases and balance transfers (then 18.24% - 27.24% Variable APR). This is one of the longest zero-interest periods offered on a credit card with above-average rewards, especially without an annual fee. I plan to redeem my Discover it Cash Back rewards as a statement credit each month to lower my outstanding balance. I have plenty of travel rewards credit cards that earn transferrable credit card rewards, so a refreshing change to use my Discover rewards purely for cash back. While I don't plan to do so, you can also deposit the cash directly into your bank account or redeem your rewards when checking out at Amazon. In any of these cases, the minimum redemption amount is 1 cent.Another option is to donate your rewards to select charities at a minimum of 1 cent, including the American Cancer Society, the ASPCA, the American Red Cross, Carbonfund.org, Children's Miracle Network, Junior Achievement, Juvenile Diabetes Research Foundation, Make-A-Wish, Operation Homefront, and World Wildlife Fund.The Discover it Cash Back also has some useful protection features I haven't needed to use yet: If I misplace my card, I can quickly freeze my card with a single tap on the main Activity page within my Discover app.Discover can also search the web for security breaches involving my Social Security number via the free Discover Identity Alerts tool, and remove my info from information-collecting websites through the Discover Online Privacy Protection program.I have free access to my FICO credit score at any time within the Discover app activity page by scrolling down to the Card Benefits section and clicking on my \"FICO Credit Scorecard\".Discover typically offers low fees on credit card and banking products, and there's no exception here. The Discover it Cash Back doesn't have an annual fee or foreign transaction fees, and most other charges are easy to avoid. As with all credit cards, I won't owe any interest if I pay off my statement balance in full by the due date each month. As with most credit cards, the Discover it Cash Back does charge fees for the following activities:The Discover it Cash Back doesn't list any major purchase protections or travel insurance benefits, so I only plan to use this card for groceries, dining, or other bonus-category transactions that don't require a robust return policy.I'll probably stick with one of my Chase credit cards with purchase protection if I need to purchase expensive electronics such as a laptop or a TV, where I might want to take advantage of extended warranty benefits.And if I decide to buy a flight or other travel, I'll stick with one of my best credit cards with travel insurance such as the Capital One Venture X Rewards Credit Card or the Chase Sapphire Reserve®.The Discover it® Cash Back card is a good choice for those with credit scores in the good to excellent range — a FICO score of at least 670, or a VantageScore of at least 700.If you're not quite there yet, there are other Discover cards you may qualify for. The Discover it® Secured Credit Card is designed for people who are are new to credit or rebuilding credit. And the Discover it® Student Cash Back is an excellent option for college students who don't have a long credit history.When you open an eligible new Discover card, the Discover Cashback Match® program will match all the rewards you earned after the first 12 months with no caps, including your bonus category rewards. For instance, if I earn $400 in rewards within my first year of having the Discover it® Cash Back, Discover will match that for a total of $800 back after my first 12 months.The Discover it® Cash Back caps 5% bonuses at a maximum of $1,500 spent across all bonus categories each quarter (or $75 cash back total). All other transactions earn unlimited 1% cash back per dollar spent, including on bonus categories after the $1,500 threshold has been met.The Discover it® Cash Back is a great card if you prefer earning cash back instead of travel points and don't want to pay an annual fee. It can also be a good pick if the quarterly bonus categories match up with your spending. People who want extra benefits such as annual travel credits should consider other credit cards with better rewards.Every quarter, the Discover it® Cash Back offers new bonus categories that earn 5% cash back per dollar spent. These categories typically cover common expenses such as gas, groceries, Amazon, Paypal, or Target purchases. You must activate the promotion via your online account dashboard or the Discover app before you qualify for the 5x bonus. Rewards are capped at 5% of $1,500 spent across all bonus categories each quarter. After that, your earning rate drops back down to 1% per dollar spent. You'll typically earn cash back within days of the transaction posting to your credit card statement, although Discover says rewards can take up to two billing cycles to appear on your account.When evaluating the Discover it® Cash Back, I considered the card's annual fee, welcome bonus, rewards, benefits, and how well it stacks up to similar credit cards like the Chase Freedom Flex®. For more details, read Business Insider's full methodology how we rate credit cards.Discover has several other product lines in addition to credit cards. Read more about them here:","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What credit score do I need to be approved for the Discover it® Cash Back?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Discover it® Cash Back card is a good choice for those with credit scores in the good to excellent range — a FICO score of at least 670, or a <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-score/what-is-vantagescore\" data-analytics-product-module=\"body_link\" rel=\"\">VantageScore</a> of at least 700.If you're not quite there yet, there are other Discover cards you may qualify for. The <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review\" data-analytics-product-module=\"body_link\" rel=\"\">Discover it® Secured Credit Card</a> is designed for people who are are <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards\" data-analytics-product-module=\"body_link\" rel=\"\">new to credit</a> or rebuilding credit. And the <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/discover-it-student-cash-back-card-review\" data-analytics-product-module=\"body_link\" rel=\"\">Discover it® Student Cash Back</a> is an <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-student-credit-cards\" data-analytics-product-module=\"body_link\" rel=\"\">excellent option for college students</a> who don't have a long credit history.</p>"}},{"@type":"Question","name":"What is Discover Cashback Match?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">When you open an eligible new Discover card, the <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"body_link\" data-analytics-product-id=\"679b029dd05d4f69b579e742\" data-analytics-product-brand=\"Discover\" data-analytics-product-name=\"Cashback Match®\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-match-program\">Discover Cashback Match®</a> program will match all the rewards you earned after the first 12 months with no caps, including your bonus category rewards. For instance, if I earn $400 in rewards within my first year of having the Discover it® Cash Back, Discover will match that for a total of $800 back after my first 12 months.</p>"}},{"@type":"Question","name":"Is there a limit on cash back with the Discover it Cash Back Card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Discover it® Cash Back caps 5% bonuses at a maximum of $1,500 spent across all bonus categories each quarter (or $75 cash back total). All other transactions earn unlimited 1% cash back per dollar spent, including on bonus categories after the $1,500 threshold has been met.</p>"}},{"@type":"Question","name":"Is the Discover it Cash Back a good card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Discover it® Cash Back is a great card if you prefer earning cash back instead of travel points and don't want to pay an annual fee. It can also be a good pick if the quarterly bonus categories match up with your spending. People who want extra benefits such as annual travel credits should consider other credit cards with better rewards.</p>"}},{"@type":"Question","name":"How does 5% cash back on the Discover it Cash Back work?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Every quarter, the Discover it® Cash Back offers new bonus categories that earn 5% cash back per dollar spent. These categories typically cover common expenses such as gas, groceries, Amazon, Paypal, or Target purchases. You must activate the promotion via your online account dashboard or the Discover app before you qualify for the 5x bonus. Rewards are capped at 5% of $1,500 spent across all bonus categories each quarter. After that, your earning rate drops back down to 1% per dollar spent. </p>"}},{"@type":"Question","name":"How long does it take to get cash back from Discover?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You'll typically earn cash back within days of the transaction posting to your credit card statement, although Discover says rewards can take up to two billing cycles to appear on your account.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Discover it® Cash 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Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review","name":"My review of the Discover it Cash Back: I've been pleasantly surprised by my newest cash-back credit card"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}"> Personal Finance </a> <svg class="svg-icon chevron-right-icon breadcrumbs-chevron" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m5.5 4.56 7.72 7.486-7.626 7.394L8.234 22 18.5 12.046 8.14 2 5.5 4.56Z"/> </svg> <a href="/personal-finance/credit-cards" class="breadcrumb " data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}"> Credit Cards </a> </span></div> </div> <h1 class="post-headline ">My review of the Discover it Cash Back: I've been pleasantly surprised by my newest cash-back credit card</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness " data-interaction-trigger="legacy-share,save-article,read-in-app-button" > <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Katherine Fan" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-12-31T17:51:08Z" data-e2e-name="byline-timestamp" 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#discover-it®-cash-back:-my-favorite-features" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Discover it® Cash Back: My Favorite Features </a> </li> <li> <a href="#instant-credit-card-number" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Instant Credit Card Number </a> </li> <li> <a href="#user-friendly-app-and-online-dashboard" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > User-Friendly App and Online Dashboard </a> </li> <li> <a href="#5%-cash-back-categories" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 5% Cash Back Categories </a> </li> <li> <a href="#up-to-10%-cash-back-in-year-1" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Up to 10% Cash Back in Year 1 </a> </li> <li> <a href="#personalized-design" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Personalized Design </a> </li> <li> <a href="#zero-interest-for-15-months" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Zero Interest for 15 Months </a> </li> <li> <a href="#discover-it-cash-back-faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Discover it Cash Back FAQs </a> </li> <li> <a href="#why-you-should-trust-me:-how-i-reviewed-the-discover-it-cash-back" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me: How I Reviewed the Discover it Cash Back </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>I've been hearing about the Discover it Cash Back for years, and finally applied for one this summer.</p><p>This card is one of Business Insider's picks for our <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-analytics-product-module="body_link" rel="">best credit cards</a> guide because it earns 5% cash back on different purchases that change every three months (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%).</p><p>I chose this <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee credit card</a> for two specific reasons: New cardholders get 0% intro APR for 15 months on purchases and balance transfers (then 18.24% - 27.24% Variable APR), and double their cash-back at the end of their first year. </p> <div id="discover-it®-cash-back" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Discover it® Cash Back</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71756-20&h=2b05e40ceb923dc334760f734bf4c3d6cfe1fb8b463ff8e4e41ab23adb644d02&platform=browser&postID=66a0170d20eaab25bc226942&postSlug=personal-finance%2Fcredit-cards%2Fdiscover-it-cash-back-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679693%26cr%3D28035%26last_updated%3D1598306736" rel="nofollow noindex" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=2b05e40ceb923dc334760f734bf4c3d6cfe1fb8b463ff8e4e41ab23adb644d02&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679693%26cr%3D28035%26last_updated%3D1598306736"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Discover's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=0c3e6daef8081f6c30ff034dd932773d2c9e5513558402d85534ac434934aec0&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679694%26cr%3D28448%26last_updated%3D1599179622" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=0c3e6daef8081f6c30ff034dd932773d2c9e5513558402d85534ac434934aec0&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679694%26cr%3D28448%26last_updated%3D1599179622">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71756-20&h=2b05e40ceb923dc334760f734bf4c3d6cfe1fb8b463ff8e4e41ab23adb644d02&platform=browser&postID=66a0170d20eaab25bc226942&postSlug=personal-finance%2Fcredit-cards%2Fdiscover-it-cash-back-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679693%26cr%3D28035%26last_updated%3D1598306736" rel="nofollow noindex" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=2b05e40ceb923dc334760f734bf4c3d6cfe1fb8b463ff8e4e41ab23adb644d02&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679693%26cr%3D28035%26last_updated%3D1598306736"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60abfc80a412370019d31af0?width=400" alt="Discover Discover it® Cash Back"> <noscript> <img class="no-script" src="https://i.insider.com/60abfc80a412370019d31af0?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e724641c48540307d36e702-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8642052790680952"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8642052790680952)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.12595837881099503"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.12595837881099503)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.013133405879750759"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.013133405879750759)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5940990128814705"> <stop stop-color="#faa809" offset="80%"></stop> <stop stop-color="white" offset="80%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5940990128814705)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7131614898606196"> <stop stop-color="#faa809" offset="-20%"></stop> <stop stop-color="white" offset="-20%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7131614898606196)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.8<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for 15 months on purchases and balance transfers</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">18.24% - 27.24% Variable APR</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Unlimited Cashback Match® – Discover will automatically match all the cash back you’ve earned at the end of your first year</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn Unlimited Cashback Match®</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>From January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discover will match your cash back earned at the end of your first account year</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Cap on how much bonus cash back you can earn each quarter</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>If the quarterly categories aren't convenient for you, you can earn more cash back with a different card</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/discover-it-cash-back-card-review" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Discover it Cash Back <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.</li> <li class="financial-product-card__product-details__list-item">Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.</li> <li class="financial-product-card__product-details__list-item">Redeem your rewards for cash at any time.</li> <li class="financial-product-card__product-details__list-item">Apply and you could get a decision in as little as 60 seconds. No annual fee.</li> <li class="financial-product-card__product-details__list-item">Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.</li> <li class="financial-product-card__product-details__list-item">Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.</li> <li class="financial-product-card__product-details__list-item">Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.</li> <li class="financial-product-card__product-details__list-item">Terms and conditions apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e724641c48540307d36e702" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Cash Back" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="discover-it®-cash-back:-my-favorite-features" data-toc-id="801d2e34-5690-4f61-93b1-3b02739ee385" data-toc-label="Discover it® Cash Back: My Favorite Features" class="toc-anchor"><strong>What I Like Best About My Discover it® Cash Back</strong></h2><p>I got this credit card because I wanted cash back and 0% intro APR. But my favorite aspects of the Discover it Cash Back have been a pleasant surprise for me. </p><h3 id="instant-credit-card-number" data-toc-id="ffd07a0f-8e53-4a05-b1ae-4f7fa1c3902e" data-toc-label="Instant Credit Card Number" class="toc-anchor"><strong>Instant Credit Card Number</strong></h3><p>Discover instantly approved me for the Discover it Cash Back, and immediately offered me access to my new credit card number while I waited for the physical product to appear in the mail. This perk is a "nice to have" in most cases, but can be a "need to have" if you need to make a large or unexpected transaction on short notice. I didn't <em>need</em>-need it this time, but did use my new card to pay for dinner via Apple Wallet mere minutes after I was approved. </p><h3 id="user-friendly-app-and-online-dashboard" data-toc-id="ac7ffad6-f12b-4b54-8f1a-43bfac6326d4" data-toc-label="User-Friendly App and Online Dashboard" class="toc-anchor"><strong>User-Friendly App and Account Dashboard</strong></h3><p>I have dozens of credit cards and bank accounts, so I've become something of a financial website and app connoisseur. The Discover website and consumer app are pleasantly intuitive and user-friendly, a feature I deeply appreciate from my credit card issuers. Both portals are sleek and contemporary, a feature my fellow Millennial or Gen Z consumers will appreciate. </p><p>In fact, Discover's layout might be my new favorite amongst bank apps. I've become a big fan of Face ID for phone log-ins, and I was able to quickly set up and use this feature on the Discover app. I also like the single-page overview format, which allows me to scroll for the information I want instead of blindly clicking through multiple tabs. </p><p>The landing page shows me at a glance how much of a balance I'm carrying, and how much of my credit limit is still available for use. I can also see how much cash back I've already earned — a feature that's much less prominent from Chase or Amex. For more granular detail, the payments, rewards, and services tab quickly show me most of the other information I need including contact information for Discover customer support. </p><h3 id="5%-cash-back-categories" data-toc-id="23251d89-061b-4d5a-a564-8e5fa9958b8b" data-toc-label="5% Cash Back Categories" class="toc-anchor">5% Bonus Categories</h3><p>I like getting a good deal when I shop, and I don't mind expending a little extra brainpower at checkout. I wanted to get the Discover it Cash Back because it earn 5% back on bonus categories that change every few months (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%). I track these rotations using the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-calendar" data-analytics-product-module="body_link" rel="">Discover cash back calendar</a>, which announces new promotion categories a few weeks before the next quarter begins.</p><p>I don't earn 5x until I enroll in the promotion, so I make sure to register my card at the beginning of each quarter so the benefit is active on my account. I can earn 5% on the first $1,500 I spend across all bonus categories that quarter — a potential reward of $75 if I max out the full amount. </p><p>I also have a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> in my wallet that also earns 5% cash back on <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-card-quarterly-bonus-categories-calendar" data-analytics-product-module="body_link" rel="">quarterly bonus categories</a>. Doubling up on both no-annual-fee credit cards allows me to save a lot of money on common expenses such as gas, groceries, Amazon, or Paypal transactions. The Chase Freedom Flex also caps rewards at $1,500 per quarter — another $75 potential cash back. </p><h3 id="up-to-10%-cash-back-in-year-1" data-toc-id="a6f8d501-0eb9-461d-94a0-9dc059c509b4" data-toc-label="Up to 10% Cash Back in Year 1" class="toc-anchor">Up to 10% Cash Back in My First Year</h3><p>Most credit cards offer a welcome bonus when you first apply. These offers typically give new cardholders a certain amount of money or points after they spend a designated sum of cash on the card within a specific number of days. For example, the Chase Sapphire Preferred® Card offers newcomers the chance to earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.</p><p>In contrast, the Discover it Cash Back doesn't offer a traditional welcome bonus that follows this format. Instead, Discover's <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="679b029dd05d4f69b579e742" data-analytics-product-brand="Discover" data-analytics-product-name="Cashback Match®" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-match-program">Cashback Match®</a> program matches all of the cash back I've earned at the end of my first year, whether I earn it from 5% cash-back categories or from 1% cash back on all other purchases.</p><p>Since I primarily plan to use my Discover it Cash Back on bonus-category purchases each quarter, I could theoretically earn a grand total of $600 during my first year — a generous return from a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee credit card</a>. </p><p>Here's how the math works out:</p><p>5% on up to $1,500 per quarter = $75 </p><p>$75 x 4 quarters = $300</p><p>$300 x <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="679b029dd05d4f69b579e742" data-analytics-product-brand="Discover" data-analytics-product-name="Cashback Match®" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-match-program">Cashback Match®</a> = $600</p><h3 id="03e9812c-8ddf-46e5-b6f1-d76341ac0500" data-toc-id="03e9812c-8ddf-46e5-b6f1-d76341ac0500"><strong>No Foreign Transaction Fees for International Use</strong></h3><p><strong>Pro Tip:</strong> The Discover it Cash Back doesn't charge foreign transaction fees — and neither do any other Discover cards. </p><p>I have plenty of Visa and Amex credit cards, and I've even added a couple of Mastercards in the last year or two. But until I got my own Discover it Cash Back this summer, I hadn't had — or even seen — a Discover card since the early 1990s when I used to poke through my mother's wallet. </p><p>For many years, I assumed this was because Discover cards aren't as widely accepted as Visa, Amex, or Mastercards. While they are still less popular in many international countries, I discovered you can now use Discover cards in most places throughout the U.S. that accept credit cards. They're also accepted in Canada, Mexico, Central America, the Caribbean, and China.</p><p>I probably won't take this card overseas with me because of those geographical limitations. But it's nice to know that I won't pay foreign transaction fees if I do need to use it in a pinch. </p><h3 id="personalized-design" data-toc-id="71f34ce8-0316-4ac7-b23e-bd3a09d53e16" data-toc-label="Personalized Design" class="toc-anchor"><strong>Choose-Your-Own Customized Design</strong></h3><p>Most credit cards have a standard design, while some statement products like the American Express® Gold Card or the The Platinum Card® from American Express offer a couple of different looks. </p><p>In contrast, the Discover it Cash Back offers more than two dozen designs for cardholders to choose from — a fun surprise for me to discover during the card application process.</p><p>I'd never choose a credit card based on aesthetics alone, but I'll take a rainbow card any time I'm given the option. </p><h3 id="zero-interest-for-15-months" data-toc-id="6673374a-2933-4749-9d1e-245afee56413" data-toc-label="Zero Interest for 15 Months" class="toc-anchor"><strong>0% Intro APR on Purchases and Balance Transfers</strong></h3><p>Personal finance experts stress the importance of paying off credit card balances in full each month, with one exception: If you have access to a 0% interest period on your credit card, it may make sense to charge a large transaction to that card and pay off what you owe over the 0% APR period. This is one of my favorite ways to make big expenses a little more palatable.</p><p>Property taxes run high where I live: I pay 2.2% of my appraised home value yearly. To soften the blow, I occasionally charge the full transaction to a zero-interest credit card, then pay off what I owe over the duration of my 0% APR period. This allows me to invest my money in a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-analytics-product-module="body_link" rel="">high-yield savings account</a> for a few months. Paying my taxes on a new credit card also helps me hit the spending requirement necessary for a welcome bonus. </p><p>The Discover it Cash Back comes with a generous 0% intro APR for 15 months on purchases and balance transfers (then 18.24% - 27.24% Variable APR). This is one of the longest zero-interest periods offered on a credit card with above-average rewards, especially without an annual fee. </p><h3 id="7374c7af-de1b-4370-92e8-340b6cf244e0" data-toc-id="7374c7af-de1b-4370-92e8-340b6cf244e0"><strong>Redeeming Cash Back to Lower My Statement Balance</strong></h3><p>I plan to redeem my Discover it Cash Back rewards as a statement credit each month to lower my outstanding balance. I have plenty of <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">travel rewards credit cards</a> that earn <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/transferable-credit-card-points-best-rewards-to-earn" data-analytics-product-module="body_link" rel="">transferrable credit card rewards</a>, so a refreshing change to use my Discover rewards purely for cash back. </p><p>While I don't plan to do so, you can also deposit the cash directly into your bank account or redeem your rewards when <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amazon-credit-card-points" data-analytics-product-module="body_link" rel="">checking out at Amazon</a>. In any of these cases, the minimum redemption amount is 1 cent.</p><p>Another option is to donate your rewards to select charities at a minimum of 1 cent, including the American Cancer Society, the ASPCA, the American Red Cross, Carbonfund.org, Children's Miracle Network, Junior Achievement, Juvenile Diabetes Research Foundation, Make-A-Wish, Operation Homefront, and World Wildlife Fund.</p><h2 id="59a093f6-34cc-49b5-9b00-de541ca6bde4" data-toc-id="59a093f6-34cc-49b5-9b00-de541ca6bde4"><strong>Additional Discover it® Cash Back Benefits, Features, and Fees</strong></h2><p>The Discover it Cash Back also has some useful protection features I haven't needed to use yet: </p><h3 id="00e57b3e-3cc1-4ab6-bbce-c0ae162f8028" data-toc-id="00e57b3e-3cc1-4ab6-bbce-c0ae162f8028"><strong>Security Protections</strong></h3><p>If I misplace my card, I can quickly freeze my card with a single tap on the main Activity page within my Discover app.</p><p>Discover can also search the web for security breaches involving my Social Security number via the free Discover Identity Alerts tool, and remove my info from information-collecting websites through the Discover Online Privacy Protection program.<strong><br></strong></p><h3 id="3df71fb8-7018-4430-87b6-146f727e2e3e" data-toc-id="3df71fb8-7018-4430-87b6-146f727e2e3e"><strong>FICO Credit Score</strong></h3><p>I have free access to my <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO credit score</a> at any time within the Discover app activity page by scrolling down to the Card Benefits section and clicking on my "FICO Credit Scorecard".</p><h3 id="2b2a0050-48be-4022-920b-90aec5e53bcc" data-toc-id="2b2a0050-48be-4022-920b-90aec5e53bcc">Low to No Fees (and First Late Payment Waived)</h3><p>Discover typically offers low fees on credit card and <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-bank-review" data-analytics-product-module="body_link" rel="">banking</a> products, and there's no exception here. The Discover it Cash Back doesn't have an annual fee or <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-no-foreign-transaction-fees" data-analytics-product-module="body_link" rel="">foreign transaction fees</a>, and most other charges are easy to avoid. As with all credit cards, I won't owe any interest if I pay off my statement balance in full by the due date each month. </p><p>As with most credit cards, the Discover it Cash Back does charge fees for the following activities:</p><ul><li>Balance transfer</li><li>Cash advance </li><li>Late payment — waived on first late payment</li><li>Returned payment</li></ul><h3 id="2ad62807-c2f7-477a-b24f-47875582c43d" data-toc-id="2ad62807-c2f7-477a-b24f-47875582c43d">No Purchase Protection or Travel Insurance Benefits</h3><p>The Discover it Cash Back doesn't list any major purchase protections or travel insurance benefits, so I only plan to use this card for groceries, dining, or other bonus-category transactions that don't require a robust return policy.</p><p>I'll probably stick with one of my <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-purchase-protection" data-analytics-product-module="body_link" rel="">Chase credit cards with purchase protection</a> if I need to purchase expensive electronics such as a laptop or a TV, where I might want to take advantage of extended warranty benefits.</p><p>And if I decide to buy a flight or other travel, I'll stick with one of my <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-travel-insurance" data-analytics-product-module="body_link" rel="">best credit cards with travel insurance</a> such as the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-x-rewards-credit-card-review" data-analytics-product-module="body_link" rel="">Capital One Venture X Rewards Credit Card</a> or the <a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link">Chase Sapphire Reserve®</a>.</p><h2 id="discover-it-cash-back-faqs" data-toc-id="18e406dc-caa1-4dac-96b3-fd6d46b90b0f" data-toc-label="Discover it Cash Back FAQs" class="toc-anchor">Discover it® Cash Back Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need to be approved for the Discover it® Cash Back? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Discover it® Cash Back card is a good choice for those with credit scores in the good to excellent range — a FICO score of at least 670, or a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/what-is-vantagescore" data-analytics-product-module="body_link" rel="">VantageScore</a> of at least 700.If you're not quite there yet, there are other Discover cards you may qualify for. The <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review" data-analytics-product-module="body_link" rel="">Discover it® Secured Credit Card</a> is designed for people who are are <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-analytics-product-module="body_link" rel="">new to credit</a> or rebuilding credit. And the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-student-cash-back-card-review" data-analytics-product-module="body_link" rel="">Discover it® Student Cash Back</a> is an <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-student-credit-cards" data-analytics-product-module="body_link" rel="">excellent option for college students</a> who don't have a long credit history.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is Discover Cashback Match? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">When you open an eligible new Discover card, the <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="679b029dd05d4f69b579e742" data-analytics-product-brand="Discover" data-analytics-product-name="Cashback Match®" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-match-program">Discover Cashback Match®</a> program will match all the rewards you earned after the first 12 months with no caps, including your bonus category rewards. For instance, if I earn $400 in rewards within my first year of having the Discover it® Cash Back, Discover will match that for a total of $800 back after my first 12 months.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is there a limit on cash back with the Discover it Cash Back Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Discover it® Cash Back caps 5% bonuses at a maximum of $1,500 spent across all bonus categories each quarter (or $75 cash back total). All other transactions earn unlimited 1% cash back per dollar spent, including on bonus categories after the $1,500 threshold has been met.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Discover it Cash Back a good card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Discover it® Cash Back is a great card if you prefer earning cash back instead of travel points and don't want to pay an annual fee. It can also be a good pick if the quarterly bonus categories match up with your spending. People who want extra benefits such as annual travel credits should consider other credit cards with better rewards.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does 5% cash back on the Discover it Cash Back work? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Every quarter, the Discover it® Cash Back offers new bonus categories that earn 5% cash back per dollar spent. These categories typically cover common expenses such as gas, groceries, Amazon, Paypal, or Target purchases. You must activate the promotion via your online account dashboard or the Discover app before you qualify for the 5x bonus. Rewards are capped at 5% of $1,500 spent across all bonus categories each quarter. After that, your earning rate drops back down to 1% per dollar spent. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How long does it take to get cash back from Discover? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You'll typically earn cash back within days of the transaction posting to your credit card statement, although Discover says rewards can take up to two billing cycles to appear on your account.</p> </div> </div> </div><h2 id="why-you-should-trust-me:-how-i-reviewed-the-discover-it-cash-back" data-toc-id="ed55c216-58b0-4fca-97e6-5bc3c0a4d2bd" data-toc-label="Why You Should Trust Me: How I Reviewed the Discover it Cash Back" class="toc-anchor">Why You Should Trust Me: How I Reviewed the Discover it® Cash Back</h2><p>When evaluating the Discover it® Cash Back, I considered the card's annual fee, welcome bonus, rewards, benefits, and how well it stacks up to similar credit cards like the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®</a>. For more details, read Business Insider's full methodology <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a>.</p><p>Discover has several other product lines in addition to credit cards. Read more about them here:</p><ul><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/discover-personal-loans-review" rel="">Discover Personal Loan Review</a></li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" rel="">Discover Student Loan Review</a></li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-bank-review" rel="">Discover Bank Review</a></li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-savings-rates" rel="">Discover Savings Account Review</a></li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-cd-review" rel="">Discover CD Rates</a></li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/discover-home-loans-review" rel="">Discover Home Loan Review</a></li></ul><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/discover-it-cash-back-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img class="no-script" src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for major media publications such as Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN, and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon and a guest on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance extends to her own interests. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating from college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. In addition, you accept Insider's <a href="https://www.businessinsider.com/terms" target="_blank">Terms of Service</a> and <a href="https://www.businessinsider.com/privacy-policy" target="_blank">Privacy Policy</a>. </div> </form> </section> <style> .inline-newsletter-signup.loading { width: 100%; max-width: 640px; margin: 0 auto; visibility: hidden; } </style> </div></section> <div class="post-category-tags" data-component-type="post-category-tags" data-load-strategy="lazy"> <ul class="post-category-tags-list headline-semibold" data-track-click-shared="{"product_field":"bi_value_unassigned","event":"navigation","element_name":"category_link"}" > </ul> </div> </article> </div> </section> </section>  <aside id="l-rightrail" data-rail> <div class="featured-products sticky-featured-product" data-component-type="featured-products" data-is-pfi-banking-post="false"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> 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