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Discover it and Active Cash, ranked

Discover Discover it Cash Back, Wells Fargo Active Cash — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Active Cash 2.0% 2% base rate
  2. Discover it Cash Back 1.0% 1% base rate

Dining

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Active Cash 2.0% 2% base rate

Entertainment

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Active Cash 2.0% 2% base rate

Utilities

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Active Cash 2.0% 2% base rate

What the numbers are doing

Discover it Cash Back wins dining, entertainment and utilities at 5% only because the rotating calendar is on them this quarter. The quarter ends December 31, 2026; after it the card earns 1% there, and no later quarter in the published calendar brings it back.

Abroad the answer flips: Active Cash charges a 3% foreign transaction fee, so once that comes off the rate Discover it Cash Back is the better card for everyday spend.

Where they differ: Active Cash takes everything else; Discover it Cash Back takes dining, entertainment and utilities.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseActive Cash2.0%
DiningDiscover it Cash Back5.0%
EntertainmentDiscover it Cash Back5.0%
UtilitiesDiscover it Cash Back5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Active Cash — 2.0%
  2. Discover it Cash Back — 1.0%

Dining

  1. Discover it Cash Back — 5.0%
  2. Active Cash — 2.0%

Entertainment

  1. Discover it Cash Back — 5.0%
  2. Active Cash — 2.0%

Utilities

  1. Discover it Cash Back — 5.0%
  2. Active Cash — 2.0%
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