Card economics
Discover it Cash Back
Rotating quarterly categories and Capital One Travel rewards are not modeled. Capital One Travel eligibility depends on the Discover account having migrated, and migration is occurring in waves.
Annual fee
No annual fee
Some links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Discover it Cash Back might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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