The Best Cash Back Card for the Holidays

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  • Estimated cash back for first year: $928.
  • Discover will automatically match your cash back at the end of your first year.
  • 0% intro APR for 14 months. (?)
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more. (?)
  • Plus, unlimited 1% cash back on all other purchases.
  • No annual fee.

Greg Go is a credit card expert whose financial advice has been featured on US News & World Report,, and Yahoo! Finance.

Our researchers used and analyzed this card for a year. Our verdict: The Discover it® Cash Back is by far one of the highest paying cash back card on the market.

Get $928 Cash Back

5% bonus cash back categories — You earn 5% cash back on quarterly categories like groceries, gas stations, Amazon, restaurants,, Target, wholesale clubs, Paypal, and Uber — up $1,500 spend per quarter ($6,000 annual). Quarterly activation is required. Everything else is unlimited 1% cash back.

Matched cash back — Discover automatically matches all the cash back you earn during your first year. For example, if you earned $464 back in your first year, Discover will pay you $928 at the end of the year. This means the 5% you’re earning gets matched to 10% cash back!

Up to 10% back at Amazon, Target, and — These stores are in 5% categories for October to December 2019. Since Discover will match your cash back at the end of your first year, you are basically getting 10% back.

0% Intro APR for 14 months — Pay no interest until 2021 for both purchases and balance transfers. A variable rate of 13.49% to 24.49% applies after intro period.

Award-winning U.S. based customer service — Discover has won the JD Power credit card satisfaction study 5 out of the last 6 years. This is unsurprising given that they are the only bank offering 100% U.S. based customer service.

Decision in under two minutes — Our researchers were able to get a response in under two minutes from Discover’s application page.

How We Came Up With the $928 Figure

You can earn $300 cash back by maxing out your 5% categories. You can also earn another $164 from just regular spending (?). The $300 and $164 add up to $464 — but remember Discover will match your cashback earned so you’re getting $928 your first year.

Our researcher used this card for a year and found that it was very easy to max out the categories.

Qualify With Average to Excellent Credit

You can qualify for these low rates and high value rewards with average to excellent credit, typically a credit score of 670 or higher. It’s the only card we know of that doesn’t reserve their best benefits for those perfect people with perfect credit.

Express Yourself With Free Customized Designs

When you first apply, you’ll be offered 9 designs. We picked green, our favorite color.

Discover it® Cash Back

Card Design

Please choose your card design.

(click to see more designs at Discover application page)

After you become a member, you can choose from over 150 designs for free.

Who Should Get This Card

This is a great card for anyone who wants to earn massive cashback bonuses and avoid paying interest until 2021. See rates & fees.

When you pile on other great features – free FICO® Credit Score, no late fee on first late payment, no penalty APR on any late payments, no over limit fees, and no foreign transaction fees – then this card becomes my pick for best cash back card of 2019.

» Click here to apply for the Discover it® Card