Card economics
Discover it Cash Back
DiscoverDiscoverCash BackFair credit
Annual fee
No annual fee
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Earn rates
| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Discover it Cash Back might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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