The credit card, Discover It, is out to change the way you think about credit cards. 　　There is no annual fee. Plus, there’s no pay-by-phone fee, no foreign transaction fee and no over-limit fee. There’s also no late fee for your first late payment and no increase to your APR for paying late. 　　Earn 5% cash back in rotating categories (类别轮换) each quarter like gas stations, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. 　　You earn. We match. With Cashback Match, we’ll automatically match all the cash back you’ve earned at the end of your first year, dollar for dollar. So you could turn $10 cash back into $20. Or turn $ 50 into $100. Even turn $ 100 into $200. There’s no signing up. And no limit to how much well match. 　　Discover It monitors every purchase and alerts you if we spot something suspicious. Of course, you’re never responsible for unauthorized purchases on your Discover card account. 　　We’re available 24 hours a day, right here in the U. S. to help any time you need it. Just call our service number if you have a question or need an explanation. We won’t try to sell you other products when you call.