The first-year cashback match is the most generous welcome offer in the category, full stop, there is no spend-by-three-months pressure, no minimum, no asterisk. The 5% rotating categories require you to remember to activate them quarterly, which is the friction. If you are willing to set a calendar reminder four times a year, this card pays you twice for the same purchases for twelve months. Then it becomes a respectable backup card.
What you actually earn
Who this card is for
Building or rebuilding credit, comfortable with quarterly category-activation, doesn't want to pay an annual fee.
The compliance footnote
The it Cash Back carries a $0 annual fee with an APR range of 18.24–27.24% Variable. Foreign-transaction fee is none. The current signup offer is Cashback Match, Discover doubles all cashback earned in your first year. These terms are accurate as of 2026-05-03 and may change at the issuer's discretion. The Apply link goes directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.