Discover it Cash Back
Someone who will actually activate the quarterly categories and spend inside them.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Rotating quarterly categories Up to the quarterly maximum, activation required | 5% |
All other purchases | 1% |
Welcome bonus
Cashback Match: Discover matches all cash back earned in the first year.
Perks
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Discover it Cash Back worth it?
It has no annual fee. It's best suited to someone who will actually activate the quarterly categories and spend inside them. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Discover it Cash Back earn?
It earns 5% on rotating quarterly categories and 1% on all other purchases.
What credit score do you need for the Discover it Cash Back?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Discover it Cash Back Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/discover-it-cash-back, updated August 2026.
- Discover published product page and cardholder agreement