Discover it® Cash Back vs. Discover it® Chrome review

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Discover it® Cash Back vs. Discover it® Chrome

What to consider when applying for cash back cards

When you’re applying for a cash back credit card, you need to consider how much time, thought and effort that you can put into your rewards strategy. If you’re passionate about maximizing your cash back–earning potential and don’t mind juggling multiple cards — if it means more cash in your pocket — then the Discover it® Cash Back could be a great card to add to your wallet.

But if you want a credit card that you can “set and forget,” a flat-rate cash back card might be a better choice for you.

Redemption flexibility is something else you’ll want to consider. For instance, while both of the Discover cards have no minimum amounts for cash back redemption, some cards have higher cash redemption minimums.

There’s nothing necessarily wrong with either type of sign-up bonus, but you’ll want to consider which kind appeals most to you.

About the author: Clint Proctor is a freelance writer and founder of, where he writes about how students and millennials can win with money. When he’s away from his keyboard, he enjoys drinking coffee, traveling, obse… Read more.