Using Discover it cards you can earn up to 5% cash back bonus on categories that change during the year (up to the quarterly maximum each time you activate). For 2015 the categories are:
- Gas and ground transportation from January to March
- Reataurants and movies from April to June
- Home improvement stores, department stores and Amazon.com from July to September
- Holiday shopping from October to December
To receive this 5% cash back you will need to sign up each quarter. Also you will earn general 1% cash back on all other purchases.
The 0% interest introductory periods are the only difference between the Discover it consumer cards. You may choose a card with 14 months of no interest on purchases and balance transfers. Or you can transfer a balance from another card and get 18 months of no interest. Note that when the introductory interest rate of the Discover cards is over, the ongoing APR of 13.74% – 24.74% Variable will apply.