Discover IT Business Card Calculator

Review the benefits of the Discover Business Card, calculate how much cash back you can earn based on your spend, and compare results against top cards.
Updated 2020-07-10 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Discover IT Business Card earns cash back at a flat rate on all purchases and does not have any bonus categories. You'll earn an unlimited 1.5% cash back per $1 spent on the card.

  • 1.5% All Purchases

Perks & Benefits

Discover is most known for there Cashback Match which is what makes Discover Cards so great the first year.

  • Discover Cashback Match
    • Discover will match your first 12 months of cash back, dollar-for-dollar.
    • Benefits give you a total 3% return the first year.
    • Matched cash back is given to you at the end of your first year.
    • Example: You earn $500 in cash back your first year, Discover will give you an additional $500 at the end of your first year with the card.

Sign Up Bonus

There is no standard sign up bonus for the Discover IT Business Card in terms of points. The signup bonus is considered to be the Discover Match benefit.


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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