If you don’t opt in, you’ll earn just 1% on purchases, even if they’re on the Discover cash back calendar. The downside is that you have to pay attention to which card you’re using for certain purchases and proactively enroll for cash back in bonus categories. If you enjoy strategizing about when and where you buy to maximize rewards, this card’s unique cash back program might be right up your alley and could make perfect sense as a supplement to other rewards cards that offer more consistent rewards year-round. You’ll also earn 1% back on general purchases. With 5% cash back on purchases in rotating categories, this is an excellent card to keep on hand for both everyday errands and seasonal extras. Upon activation, you’ll earn a whopping 5% back on purchases in rotating categories like grocery stores and gas stations based on Discover’s cash back calendar (on up to $1,500 in purchases per quarter, then 1% back). One of the best-known 5% cash back bonus cards, the Discover it® Balance Transfer card offers terrific variety and flexibility via its quarterly rotating categories. ![]() The card has one of the longest 0% introductory APR periods available for balance transfers, as well as a unique welcome offer that allows cardholders to create a personalized sign-up bonus at the end of the first year of using the card, which can potentially result in higher cash back earnings. Why you might want the Discover it® Balance Transfer cardĭiscover it® Balance Transfer is an excellent choice if you want to pay off a credit card debt over an extended period and still get cash back on new purchases.
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