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The Discover it® Cash Back card offers a unique and lucrative way to earn rewards on your everyday purchases. Let’s dive into how you can maximize your cash back with rotating quarterly categories and unlimited cash back on other purchases.

Maximize Earnings with Rotating Categories


One of the most attractive features of the Discover it® Cash Back card is its 5% cash back on rotating quarterly categories. Each quarter, Discover selects specific spending categories where you can earn 5% cash back on up to $1,500 in purchases. These categories can include everyday essentials like groceries, dining out, or even gas stations. It’s an opportunity to earn more on the things you already buy.

  • Quarter 1: Grocery Stores and Fitness Clubs
  • Quarter 2: Gas Stations and Ride Shares
  • Quarter 3: Restaurants and PayPal
  • Quarter 4: Amazon.com and Target

To take full advantage, make sure to activate your bonus categories each quarter. It’s a simple step that ensures you’re always earning the maximum possible cash back.


Unlimited 1% Cash Back on All Other Purchases

While the 5% rotating categories are fantastic, the Discover it® Cash Back card doesn’t stop there. For all other purchases outside these categories, you’ll still earn an unlimited 1% cash back. This means no matter what you’re buying, you’re always getting rewarded.

Flexible Redemption Options

Your earned cash back rewards are yours to use flexibly. Redeem them for statement credits, direct deposits, or even gift cards, among other options. There’s no minimum redemption amount, making it easy to access your cash back whenever you need it.

And don’t forget, Discover will match all the cash back you’ve earned at the end of your first year. This Cash Back Match effectively doubles your rewards, giving you an incredible boost just for using your card.

Stay tuned as we explore more benefits of the Discover it® Cash Back card in the next chapter. We’ll dive into the introductory 0% APR offer and how it can help you manage your finances better.

Flexible Redemption and Cash Back Match

One of the standout features of the Discover it® Cash Back card is its flexible redemption options. Unlike some reward programs that require you to accumulate a certain amount before you can redeem, Discover lets you cash in your rewards with no minimum amount. This gives you the freedom to use your cash back whenever you want, whether it’s for a small purchase or something more significant.

No Minimum Redemption Amount

With the Discover it® Cash Back card, you have complete control over your rewards. There’s no need to wait until you’ve built up a hefty sum; you can redeem your cash back at any time. This flexibility is perfect for those who prefer to see immediate benefits from their spending. Whether you want to apply your cash back as a statement credit, deposit it into your bank account, or use it for gift cards and eCertificates, the choice is yours.