Discover it Cash Back

The Discover it Cash Back earns 5% in quarterly rotating categories, which for Q4 2026 are dining, entertainment, and utilities, on up to $1,500 in spending each quarter after you activate. That works out to as much as $75 in bonus cash back per quarter with no annual fee, and it places the card on our list of the best cash back cards. A 0% intro APR for 15 months on both purchases and balance transfers adds real value if you're carrying a balance or planning a large purchase. The tradeoff is effort and a low floor: you have to activate each quarter, the categories change, and everything else earns just 1%. It works best as a companion to a flat-rate card rather than as your only card.