Sign up for the Discover It Card using this application and get $150 back when you spend $750 within the first 3 months of account opening. This is only the second time we've mentioned a cash back offer for this card (the last time it was only $75). You'll also get 5% cash back on the first $1500 of purchases in rotating categories, like department stores and restaurants (from January- March, you'll get it at movies and restaurants) with free and easy signup, plus 1% back on everything else. You'll also get a free FICO score on your monthly statement. There's no overlimit fee, and paying late won't raise your APR. The APR is a variable 10.99% to 22.99%, and there's no annual fee.