Big spenders and those who can maximize the 5% cash back categories with the Discover it® Cash Back can earn great cash back, especially in the first year.

Rewards: 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically

Welcome Offer: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There’s no minimum spending or maximum rewards

Annual Fee: $0

Other Benefits and Drawbacks: Historically, the Discover it® Cash Back’s cash back categories have included restaurants, drug stores, grocery stores, gas stations, Amazon and other categories generally popular among U.S. based spenders. The card offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 11.99% – 22.99% variable applies. A balance transfer fee of up to 5% of the amount transferred applies.

Read Low CostAdvisor’s full review of the Discover it® Cash Back to learn more.