Discover it Cash Back

Discover · annual fee $0

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 5% Rotating quarterly categories, on up to $1,500 per quarter, once you activate
• 1% Everything else

No foreign transaction fee.

Purchase APR: 17.49% to 26.49%, based on creditworthiness

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/discover-it-cash-back.