Earn rates
| Category | Rate | Cap |
|---|---|---|
| Rotating quarterly categories (rotating) | 5x | on the first $1,500/quarter |
| Everything else | 1x | uncapped |
Non-cash perks
- $0 fraud liability on unauthorized purchases
- Free Social Security number dark-web alerts via CreditWise
- Freeze/unfreeze account instantly via app or site
- Free FICO Score 8 via CreditWise
- 24/7 human customer service (some specialized lines excluded)
- Choice of card design at signup
- Virtual card number for instant use before physical card arrives, where eligible
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Discover it Cash Back vs Capital One Quicksilver — which earns more?
- Discover it Cash Back vs Blue Cash Everyday Card from American Express — which earns more?
- Discover it Cash Back vs Capital One Savor — which earns more?
- Discover it Cash Back vs Chase Ink Business Cash — which earns more?
- Discover it Cash Back vs Chase Freedom Flex — which earns more?
- Discover it Cash Back vs Chase Freedom Unlimited — which earns more?
- Discover it Cash Back vs Citi Double Cash® Card — which earns more?
- Discover it Cash Back vs AAA Daily Advantage Visa Signature — which earns more?
- Discover it Cash Back vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
More from Discover
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-08 against issuer terms · sources: www.discover.com · www.discover.com · finance.yahoo.com. Spot an error? Tell us.