Discover · Cash back
Terms shown here may not reflect the issuer's current offer - always confirm details on their site before applying.
Discover matches all cash back earned in year one instead of a flat bonus
No major issuer-specific application restrictions on file for this card.
Flat 2% cash back at gas stations and restaurants combined, capped at $1,000 in combined purchases per quarter (then 1%); unlimited 1% cash back on all other purchases. Signature feature is Discover Match: at the end of the new cardmember's first year, Discover automatically matches all cash back earned dollar-for-dollar, with no cap and no minimum spend required, effectively doubling first-year earnings. Cash back never expires while the account remains open in good standing. No foreign transaction fee. Also offers a 0% intro APR for 15 months on purchases and balance transfers (not modeled in this schema).