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
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. 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
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. 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.
Comparisons featuring Discover it Cash Back
Guides that discuss Discover it Cash Back
- Discover to Capital One Migration: When Your Card Moves and What Changes
- Chase Freedom Flex vs Discover it Cash Back: Which Rotating-Category Card Wins?
- Chase Freedom Flex Has Dropped Its Foreign Transaction Fee — And Lost Cell Phone Protection
- Discover it Chrome vs Discover it Cash Back: Which No-Fee Discover Card Pays More?