DISCOVER / CASH BACK
Discover it Cash Backfees & costs
A no-annual-fee card for people willing to activate quarterly categories, with no foreign-transaction fee.
U.S. consumer card · Reviewed
Fee breakdown
Published fees for the U.S. consumer product. Your offer or existing card agreement may differ.
| Annual membership | $0 per year. Source |
|---|---|
| Foreign transactions | No issuer foreign-transaction fee. Source |
| Other charges & APR | Review the issuer's current pricing disclosure for interest rates, transfer and cash-advance fees, late charges, and any installment-plan charges not listed above. Current offer and terms |
A foreign-transaction fee is separate from exchange rates, ATM charges or fees imposed by a merchant. Fee examples exclude these costs.
A SIMPLE EXAMPLE
$0 in yearly fees
With $1,000 in foreign purchases: $0 annual fee + $0 foreign-transaction fees = $0.
Illustration only. No interest, other fees, rewards or credits are included.
Try your own spending amount →What the card offers
Earn 5% cash back in rotating quarterly categories up to the quarterly spending limit after activation; earn 1% on other purchases. Rewards terms
When to compare it
Compare it if the changing bonus categories match spending you already plan to do. Track activation dates and the spending limit.
What to watch
The higher rate requires activation and has a quarterly cap. Before traveling, check whether merchants at your destination accept Discover.
Issuer sources & review notes
Reviewed October 13, 2026. These are direct issuer links. Published fees can change and offers can vary by applicant or channel. Before applying, use the current rates-and-fees disclosure for the offer you receive.
- Discover it Cash Back: official offer and fees
- Discover: foreign-transaction and merchant fees explained
FeeHQ provides general cost information, not personalized financial advice. We do not guarantee approval, benefits or savings.