Discover it Cash Back: what it earns
Updated September 17, 2026 · from RightCard's verified card and merchant data
Discover it Cash Back earns a flat 1% on everything. No annual fee.
Every category, as published
The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.
| Category | Earn | ≈ value / $1 |
|---|---|---|
| Restaurants | 1% | 1¢ |
| Supermarkets | 1% | 1¢ |
| Gas stations | 1% (5% this quarter to Sep 30, activate) | 1¢ |
| Travel | 1% | 1¢ |
| Online shopping | 1% | 1¢ |
| Drugstores | 1% (5% this quarter to Sep 30, activate) | 1¢ |
| Transit & rideshare | 1% (5% this quarter to Sep 30, activate) | 1¢ |
| Streaming | 1% | 1¢ |
| Everything else | 1% | 1¢ |
Where it beats a flat 2% card
Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.
See it against the rest of your wallet →
How RightCard handles this: add the Discover it Cash Back in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and
private. No bank login. Recommendations are computed on your phone.
Get RightCard on the App Store
FAQ
What does the Discover it Cash Back earn at supermarkets?
1% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.
What does the Discover it Cash Back earn on everything else?
1% on purchases outside its bonus categories.
Does the Discover it Cash Back have an annual fee?
No annual fee.
Where these numbers come from: RightCard's data
pipeline re-checks each card's published rates weekly and lists a rate only after two independent
sources agree. Merchant codes come from our merchant directory. If a card or store is missing here,
it is because we could not verify it, not because we guessed.
More guides: Rate my wallet · All cards ·