Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections

Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections

Key Benefits

Pros

• +No annual fee
• +Consistent 2% cash back at gas stations without category activation
• +Cashback Match doubles all rewards earned in the first year
• +No foreign transaction fees
• +Free FICO credit score access

Cons

• −Only 1% back on non-gas purchases
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Lower earning rate than Discover it Cash Back during its 5% gas station quarters
• −No sign-up bonus beyond the Cashback Match
• −No premium travel or purchase protections