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With the Discover it ® Cash Back credit card you can earn earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. plus, earn unlimited 1% cash back on all other purchases—automatically. redeem ... Great for: Cash back on everyday spending. The Discover it Cash Back is the flagship of the Discover it cards, with Cashback Match at the end of your first year. Its 5% cash back feature is for rotating categories up to $1,500 each quarter after activation, then 1%. The Discover it Cash Back is one of our picks for the best credit cards. Earning rate. The key difference between these cards is the amount of cash back that they offer. The Discover it ® Cash Back offers a bonus on rotating categories, while the Discover it ® Chrome offers on an ongoing bonus on gas and restaurant purchases. 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