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Quick Question about Discover It Card(Or advice on another card)

I had a Discover It card as my first card 5 years ago. I remember they doubled my cash back after one year but I cant remember if they double your available cash back or just all the cash back you’ve gained over the year. Meaning if I earned $200 in cashback but used it throughout the year on the bill would Discover still double that $200? Or just what was available at the end of the year?

**Side note** I am getting this card for my girlfriend to support her credit. She has good credit (720) but only 2 cards. (Crappy Apple card and a local credit union with no benefits) Should I pursue the Discover It or go with another card?

Thank you :)

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2 Comments

  1. Match what you earned your entire first year. If you earned $50 in the yr, they will match it.

    “Once your new account is approved, you’re automatically enrolled in Cashback Match. All the Cashback Bonus you’ve earned by the end of your first year with Discover, we will match dollar-for-dollar1.”

  2. I just got my second Discover it one year after my first. You’re allowed two, if you’re interested. They match all cash back.

    >Meaning if I earned $200 in cashback but used it throughout the year on the bill would Discover still double that $200

    Yes. For the first year, it means that you’re in effect getting 10% back for your rotating categories (up to $75 in cash back a quarter) and 2% back for everything else. It’s just that the match arrives at the end of the year. You can cash in your rewards whenever.

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