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By kerrirenzulli
September 22, 2014
Fernando Volken Togni

Discover It

APR: 0% on purchases and ­balance transfers for first 14 months; 11% to 23% after

Annual Fee: $0

Rewards: 5% cash back in ­rotating categories on up to $1,500 spent per quarter; 1% on everything else

Why It’s a Winner: It offers revved-up rewards at hundreds of e-tailers. While Money set out to find a specific store card that paid dividends, we were impressed with the Shop­Discover portal, which offers cash-back bonuses from 5% to 20% at a wide range of online retailers, from Apple to ­Zales. That’s on top of the normal 1% or 5% you earn on what you buy. You can apply the cash as a statement credit to essentially discount your purchase.

Caveat: You’ll benefit the most if you shop a lot online.

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Advertiser Disclosure

Money has partnered with CardRatings.com and ConsumersAdvocate.org, among other companies, for our coverage of credit card products. Money, CardRatings.com, and ConsumersAdvocate.org may receive a commission from card issuers. For example, Money receives a commission from Citi when you apply and are approved for a Citi product through the links on this site.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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