Discover it Cash Back
Cashback Match doubles everything you earn in year one.
★ 8.0/10DiscoverpersonalDiscover Cash Back
View Current OfferBest for: First card / year-one double
Welcome Bonus
None
Cashback Match: all year-1 earnings doubled
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
630+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (value)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xRotating quarterly categories ($1,500 cap)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cashback Match year one (5% becomes 10%)
- ✦Forgiving issuer for thinner credit files
Why it earns its spot
- +10% effective rate on year-one categories
- +Great first card / credit builder
Where it costs you
- −Discover acceptance abroad is weak
- −Plain 1% outside categories
The Compound Verdict
Year one is the play: max every quarterly category and the Match doubles it. One of the best beginner cards ever made.
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