Discover it Cash Back

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The Discover it Cash Back credit card offers a versatile rewards program with 5% cash back on rotating quarterly categories, such as restaurants, gas stations, and grocery stores, up to a $1,500 spending limit per quarter. Activation is required to earn these elevated rewards. All other purchases earn a standard 1% cash back. The card features no annual fee, making it an attractive option for those seeking consistent rewards without additional costs. New cardholders benefit from Discover's Unlimited Cashback Match, where all cash back earned in the first year is automatically matched at the end of the year. The card also includes a 0% intro APR for 15 months on purchases and balance transfers, followed by a variable APR. Redemption options are flexible, allowing cash back to be used as statement credits, direct deposits, or for purchases on platforms like Amazon. Additionally, Discover offers no foreign transaction fees and provides tools like Social Security number monitoring for enhanced security.