Discover it Cash Back

The draw here is the rotating 5% category, currently covering gas, EV charging, transit, airlines, and drugstores through Q3 2026, on a card with no annual fee and no foreign transaction fee. It also carries a 0% intro APR for 15 months on both purchases and balance transfers, which is a useful window if you're carrying a balance or financing something large. The catches are real: you have to activate the bonus categories every quarter, the 5% only applies to the first $1,500 of spending each quarter, and everything past that cap or outside the categories earns a flat 1%. That 1% base rate means this card works best as a second card you pull out for the quarter's categories rather than your everyday default. It currently sits at #7 on our Best Cash Back Credit Cards list.