Editorial take: Discover it Cash Back
The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.
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Side-by-side
Discover it Cash Back vs Home Depot Commercial Revolving Charge Card
Both are well-respected travel cards. The Discover it Cash Back comes from Discover at $0/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Discover it Cash Back | Home Depot Commercial Revolving Charge Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Cashback Match (first year, unlimited) | |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $0 in 12 mo | - |
| Issuer | Discover | Citi Retail Services |
| Card category | cashback | business |
| Best earning category (Rotating) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
Read the full review
Home Depot Commercial Revolving Charge Card
$0/yr ·
Editorial take: Home Depot Commercial Revolving Charge Card
Common questions
- Which card has the bigger sign-up bonus, Discover it Cash Back or Home Depot Commercial Revolving Charge Card?
- The Discover it Cash Back has a public bonus (Cashback Match (first year, unlimited), worth roughly $200), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
- Is the Discover it Cash Back's $0 annual fee worth it compared to the Home Depot Commercial Revolving Charge Card?
- The Discover it Cash Back has no annual fee, so the question is whether the Home Depot Commercial Revolving Charge Card's $0 fee is justified by its perks. If you'll use enough of the Home Depot Commercial Revolving Charge Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Discover it Cash Back.
- Can I have both the Discover it Cash Back and Home Depot Commercial Revolving Charge Card?
- Yes, since they're from different issuers (Discover and Citi Retail Services) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Discover it Cash Back or the Home Depot Commercial Revolving Charge Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 months. Home Depot Commercial Revolving Charge Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.