You selected the Discover it® Cash Back. This card has the best first-year offer on the market — they match ALL your cashback at the end of year one. Here’s everything you need to know.
🔥 The Cashback Match — What Makes This Card Special
Earn $150? You get $300.
Earn $300? You get $600.
Earn $500? You get $1,000.
No limits. No caps. Automatic.
💰 How You Earn Cashback
1% → Everything else (no limits)
2025 rotating categories include: Grocery stores, restaurants, gas stations, Amazon.com, Target, Walmart.com, PayPal, and more.
You need to activate each quarter’s categories (takes 30 seconds online). After $1,500 in quarterly category spending, you earn 1% on those purchases for the rest of the quarter.
👍 Pros & Cons
- Cashback Match DOUBLES rewards in year 1
- 5% on rotating categories
- No annual fee
- No foreign transaction fee (rare!)
- Easier approval than other premium cards
- Free FICO® Score on statements
- 0% intro APR for 15 months
- Must activate categories quarterly
- $1,500 cap on 5% categories per quarter
- Discover less widely accepted than Visa/Mastercard
- Cashback Match only applies to first year
📋 Who Can Apply
Income: Regular income required
Citizenship: U.S. citizen or permanent resident
Age: 18+
✓ This card tends to have more flexible approval requirements than Chase or Citi cards.
💵 How to Redeem Your Cashback
Your Cashback Bonus can be redeemed:
- Statement credit — apply directly to your balance
- Direct deposit — to your bank account
- Pay with Cashback — use rewards at Amazon.com checkout
- Gift cards — often with bonus value (e.g., $45 for $40 reward)
Redeem any amount, anytime. No minimums.
Ready to Apply?
Application takes about 5 minutes. Discover often provides instant decisions.
Andrew Brooks is a qualified writer and researcher with experience producing clear, trustworthy content on topics such as personal finance, lifestyle optimization, consumer insights, productivity, and informed decision-making. With an approachable yet professional tone, he focuses on turning complex information into practical, easy-to-understand guidance that helps readers make smarter choices with confidence.