Question 1

When do Discover it Cash Back benefits expire?

Accepted Answer

Discover it Cash Back benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 2

How do I track Discover it Cash Back benefits?

Accepted Answer

Track Discover it Cash Back benefits by: 1) listing all 12+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 3

What are the Discover it Cash Back earning rates?

Accepted Answer

The Discover it Cash Back earns: 1x on All other purchases. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Discover it Cash Back

Discover it Cash Back

Earning Rates

Rotating Categories(Jan–Mar 2026)

Card Benefits

Account Services

Credits

Insurance

Lifestyle

Card Details

Discover it Cash Back

Discover it Cash Back

Earning Rates

Rotating Categories(Jan–Mar 2026)

Card Benefits

Account Services

Credits

Insurance

Lifestyle

Card Details