Cashback Optimizer Use the card that gets you the most cashback!

Base Cashback Rate: 1.0%


- Legacy Discover Card
- 1% cash back, plus 5% cash back in rotating categories.

Annual Fee: $0
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3 / 5 - Not a bad card, but other cards pay better

By Spencer Uresk on March 1, 2016

I've used Discover for roughly 10 years and have generally liked it, there are just other cards that offer a better base rate than Discover's 1%. Discover also only pays .5% on the first $1500 in purchases, so it is even lower than that.

It is still useful for the rotating bonus categories and their website/customer service are top notch, but it is no longer my primary card due to the low base cashback rate.

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