Discover it Cash Back
Everyday$0 annual feeAPR: 18.74% to 28.74%
Rotating CategoriesCash Back OptimizersNo Annual Fee
CCVI Score
171
Why this card stands out
- ✓High upside through rotating bonus categories
- ✓No annual fee keeps risk low
- ✓Great supplemental card for rewards optimizers
+Pros
- Strong bonus-category potential
- No annual fee
- Good secondary card
−Cons
- Requires tracking rotating categories
- Less predictable rewards month to month
- Not ideal as a single-card setup
Welcome offer
- Earn a $200 bonus statement credit after spending $500 in the first 3 months, plus Discover will automatically match all the cash back earned at the end of the first year.
- 0% APR on purchases for first 15 months.
- 0% APR on balance transfers for first 15 months.
- Introductory Balance Transfer fee of 3% for first 3 months.
Rewards structure
- 5% Cash Back at restaurants, entertainment, and utilities in Q4, up to $1,500 in combined purchases.
- 1% Cash Back on all other purchases.