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Guide to the 2021 Discover Cash Back calendar Bankrate 3/15/2021 © Milko/Getty Images Milko/Getty Images While some cash back credit cards offer a flat rate of rewards for each dollar you spend, the Discover it Cash Back takes a different approach. Cardholders do earn a flat 1 percent back for all regular spending, but they also earn 5 percent back (activation required) on up to $1,500 spent each quarter in rotating categories (then 1 percent). The Discover it Cash Back also comes with no annual fee, which makes it a smart card to keep for the long haul. Popular Searches Discover also takes a different approach when it comes to welcome bonuses. Instead of a traditional bonus you can earn when you meet a minimum spending requirement, Discover will match all the rewards you earn after the first 12 months. This means that, if you earn $200 in cash back your first year, Discover will match that amount to a total of $400 after year one.

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