Discover it Cash Back
5% rotating with first-year cashback match
4.4
Editor rating · out of 5
Best for: First-year cash-back maximizers
First-year math is exceptional: 10% effective on rotating, 2% on everything else. After year 1 it loses its edge.
Pros and cons
Pros
- +Year-1 match effectively doubles 5% to 10%
- +Free FICO score
- +No foreign transaction fee
Cons
- −Discover acceptance smaller than Visa/MC abroad
- −Quarterly activation required
Key details
Annual fee
$0
Foreign transaction fee
0%
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