Discover IT Business Card - Cash Back Calculator

Discover IT Business Card

1.5% All Purchases
Discover Cashback Match

Calculate how much cash back you can earn with the Discover IT Business Card based on monthly/yearly spend and compare the results side by side top cards.

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The Discover IT Business Card is a solid option for anyone looking to earn a 1.5% return across all purchases. There are many cards that earns at the same rate, but what makes Discover different is that they feature there ever-so-popular Cashback Match benefit which matches your first year earning dollar-for-dollar. That turns the Discover IT Business Card into a powerful, no annual fee, 3% cash back card in it's first year. If you're a business that has mid-to-heavy spend during the year, this card can earn some serious cash back.

Bonus Categories

The Discover IT Business Card earns cash back at a flat rate on all purchases. It does not feature specific bonus categories or rotating categories. There is no limit to the amount of cash back you can earn at the flat rate and no limit to the amount of cash back you can earn with the Discover IT Business Card in general.

1.5% All Purchases

The Discover IT Business Card earns 1.5% cash back per $1 spent on all purchases. This is basically your standard 1.5% card just like the Spark Cash Select and the Discover IT Miles Card. If you're looking to earn more than 1.5% cash back on business purchases, the AMEX Blue Business Cash earns 2% cash back on the first $50,000 in purchases made during the year and has no annual fee. If you spend more than $50,000 per year, you can glance at the Spark Cash Business Visa which earns 2% cash back on all purchases, but it has an annual fee.

Perks and Benefits

Discover is most known for there Cashback Match which is what makes Discover Cards so unbeatable in their first year.

Discover Cashback Match

Discover cardholders will have their first year earnings matched dollar-for-dollar. This is an automatic process meaning there's no signing up. There is no limit to the amount that Discover will match. So if you run $4,500 across this business card per month, you'd earn a total of $810 in cash back ($4,500 * 12 months * 0.015% cash back). Discover will then match that at the end of your first year. This means you would have an additional $810 added to your account and you would net $1,620 in your first year which is superb.

Sign Up Bonus

There is no standard sign up bonus for the Discover IT Business Card.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Discover IT Business Card has a $0 annual fee just like all of the Discover IT credit cards. This means every $1 spent on the card will always net you a positive return.

Authorized User Fee

There is no fee to add additional users to the Discover IT Business Card. I recommend adding additional users in order to get the most out of the Cashback Match during the first year of having the card.

Foreign Transaction Fee

There is no foreign transaction fee on the Discover IT Business Card. Discover is not yet widely accepted across the globe, so you may run into some roadblocks while trying to use this card outside the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2019-09-21

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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