The Discover It card is one of those cash back credit cards that offer 5% cash back on certain categories that change from quarter to quarter after you sign up. Dining is a category that shows up in at least one quarter during the year.
Although you earn 5% cash back at restaurants for just one quarter every year, you’ll end up earning an average of 2% cash back at restaurants when you average in the 1% cash back that you earn during the three other quarters.
Don't forget that you’ll also be earning 5% cash back on other categories that include gas stations, movies, home improvement and more, after you sign up.
This no-annual-fee card doesn’t have have a penalty APR and the first late payment fee is waived.
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