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If you want to earn big rewards, then you should be ready "to work hard". The thing is, credit card issuers often offer bigger rewards in rotating categories that change every quarter. So, first of all you should be ready to sign up for each rotating category once it starts. And the second, you should be able to plan your purchases beforehand to grab maximum rewards. If you are ready, then you can apply for the Discover it® Cash Back credit card. It offers 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.