Discover it Cash Back: First-Year Match Makes Summer Spending Count Double
Memorial Day weekend just passed, and if you're eyeing a new card before summer travel and back-to-school season hit, this one's worth considering. The cashback match means every dollar you earn in rotating categories for the next year gets doubled automatically-no hoops, no spending threshold. Q3 typically activates restaurants and PayPal (great for splitting travel costs), and Q4 usually covers Amazon and Target (hello, holiday shopping). If you're rebuilding credit or just starting out, you're getting paid to establish history. Set four phone reminders to activate categories, then let it ride. After year one, it's fine but unremarkable.
The best year-one card for people who remember to tap a button quarterly.