Credit Cards 101
Discover It Cashback
Earnings
5% Cashback On Quarterly Rotating Categories
1% Cashback On Everything Else
Unique Sign Up Bonus
Discover Will Match All the Cashback That You Earn in the First Year
For example, say you earn $200 in the first year, Discover will give you $200 as a sign up bonus. The more you spend, the more your sign up bonus is
Student Version
There is a student version of this card, which is great as it can build credit whilst getting you some excellent earnings and a great sign up bonus.
Final Verdict
This card is one of the best all time beginner credit cards out there. It doesn't take that much credit history or having a high credit score to get approved. It also has a great earnings rate in those rotating categories, which can be Amazon, gas, or groceries. There is one recently that is mobile wallet purchases, which means that anytime you use ApplePay or Google Pay, you will get 5% back on that purchase, which is insane as most cards only give you 1% back on everything, so as long as you use mobile pay, you'll get those elevated earnings.
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There isn't a whole lot of drawbacks, except that save for the high rotating categories, you'll only earn 1% on everything else, so there isn't a ton of categories to earn elevated points.
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However, I still highly encourage everyone to get this card as it's super easy to get and can supplement any card set up. Discover is also one of the best banks when it comes to customer service and the ease of use of their online website and mobile app. This card is a must have.