Discover it® Card

Card Value & Cash Back Calculator

The Discover it® Cash Back card features categories that rotate on a quarterly basis. These categories offer 5% back on up to $1,500 in combined spend each quarter which can earn you $75 at the cap.

Rewards Rates

Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.

Current Intro Bonus

Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Use our referral link and earn a bonus $50 in addition to Cashback Match.

Annual Fees

The Discover it Cash Back card has a $0 annual fee.

Cash Back Calculator

Calculate how much cash back you can earn with the Discover it Cash Card based on your spend. Results can be compared side by side any U.S. credit card featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

NOTE: The Discover it Cash Card features one category called Quarter Rotating Categories that calculates 5% back on up to $1,500 for each quarter.

If you want to just calculate how much you would earn in a single quarter, use the Discover it 5% Back Calculator.

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Discover it 5% Back Calculator

You can use this calculator to calculate how much cash back you can earn spending across the 5% cash back categories on the Discover it Card. It will calculate 5% back on up to $1,500 in spend and calculate 1% cash back for every $1 spent over that.

5% Quarterly Category
Enter how much you would spend during the quarter (3-month period).
Total Cash Back Earned
The total amount of cash back you would earn during the quarter.
$ 0
Cash Back

Discover it Categories By Year

The Discover it Cash Card earns 5% cash back on up to $1,500 spent across all featured categories for the quarter. After the cap is hit, you'll earn at the non-category rate of 1% for the remainder of the quarter.

Quarters are defined as standard calendar quarters which are:

  • Q1: January 1 - March 31
  • Q2: April 1 - June 30
  • Q3: July 1 - September 30
  • Q4: October 1 - December 31

Discover it 2023 Categories

Quarter Categories
Q1 2023 Grocery Stores, Drug Stores, and Select Streaming Services
Q2 2023 Restaurants and Wholesale Clubs

Discover it 2022 Categories

Quarter Categories
Q1 2022 Grocery Stores, Fitness Clubs, Gym Memberships
Q2 2022 Gas Stations, Target
Q3 2022 Restaurants, PayPal
Q4 2022, Digital Wallets

Discover it 2021 Categories

Quarter Categories
Q4 2021,,
Q3 2021 Restaurants, PayPal
Q2 2021 Gas Stations, Wholesale Clubs, Select Streaming Services
Q1 2021 Grocery Stores, Walgreens, CVS

Discover it 2020 Categories

Quarter Categories
Q4 2020,,
Q3 2020 Restaurants, PayPal
Q2 2020 Gas Stations, Uber, Lyft, Wholesale Clubs
Q1 2020 Grocery Stores, Walgreens, CVS

Discover it 2019 Categories

Quarter Categories
Q4 2019
Q3 2019 Restaurants
Q2 2019 Gas Stations, Uber, Lyft
Q1 2019 Grocery Stores

Discover it 2018 Categories

Quarter Categories
Q4 2018, Wholesale Clubs
Q3 2018 Restaurants
Q2 2018 Grocery Stores
Q1 2018 Gas Station, Wholesale Clubs
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